No harm in offering any price you think is reasonable.

Even if it wasn't working properly and was drawing between 15 and 20 amps and was also incorrectly wired by overfusing a 15 amp wire (#14) with a 20 amp breaker, it still wouldn't harm anything in either panel.

No harm in going FSBO for now while you complete you licensing and MLS access.

No harm in trying!

Will it harm or hurt me to be working for a broker while I invest?

No harm, just make sure you have good teams in both.

This guy has stayed out of trouble since at least and hasn't caused more harm and did a good job working for me.

(Not saying you said that but about to make a point) To some degree, how you said and what words you used may matter but understand that suggesting to a borrower you can help them avoid foreclosure if not properly stated with proper facts around the affects of the actions could cause harm to the homeowner or the homeowner could claim you caused them harm.

But it was pretty scary knowing that some of these people did not have a lot to lose and they could easily come down to my door and cause a great deal of harm to me persoanlly or property wise.

It MUST be used according to the directions; otherwise it could be harmful and a liability.