However, mine is dangerous + it is at times morally/ethically questionable.

I also have a very flexible private financier available, and I am wondering when to use them to pay off mortgages strategically to refinance and further boost my credit by paying off large lump sums relatively quickly and easily?

As I am a student, my funds are limited so right now I'm focusing on eliminating consumer debt, boosting my credit score, and saving some money to invest. 

The 401k is a great replacement for pensions, but generally you'll only get the boost to retirement solvency if part of that is getting matched. 3.

I personally would never leverage that high and my morals prevent me from recommending it to clients... but it's out there and people are using it...

It's incredibly easy to boost the ROI with just a lot of tiny, little, tweaks.  

I read forum posts and have read through the bigger pockets investing book but the water is still a bit muddy for me for some reason.Duplex is listed at 123,000, I would earn a 3% commission on the deal.Taxes are 1400/yrLocation is C but about to get a boost when the city puts in a brand new 60 acre park near the propertyI would manage it, I used to work for a management company and learned how to fix just about anythingBoth sides already rented by the year one for $550 and other for $650The one side could stand to be updated but hasnt because the tenant has been there the last 8 years.

Moral of the story, there is a much greater risk to not boarding loans than there is to boarding loans.  

A few have tested the waters with proposed "shared marketing expenses agreements," which I shut down pretty quickly because, lawful or not, that still presents moral hazard.You get paid when my loans fund.

On top of all the benefits I listed I will also be able to add $600k in value over a two year period even further boosting returns.