he said it was wrong be because I am providing no service to he other 4995 people who receive my letters( he said a Walmart, pizza, lawn care mailer is at least a viable service)Your family member may be ethical but certainly isn't rational.

Nor does it affect tax pro-ration.

That being said, once an offer is accepted I will go see the property during the inspection period.My offer to acceptance ration is probably 20 or 30 to 1 and my agent never whines or complains.

Transfer tax , pro ration real estate taxes,title insurance, mortgage application fees.?

Are you basically just the middle man finding a lease option buyer for your seller at a 3% fee of which the seller receives none?

The weird thing, is that it's actually a rational decision.

IE using C buyers funds to close cash out the A  seller and B middle man makes the delta.WA state can be a little tough for wholesale type buyers.. not only do you have excise tax  ( which most sellers who are wholesaling their props don't want to pay) you must also have all tax's current before you can transfer title. 

(One of our "pain points" would be learning about ways to deal with the debt to income ration requirement on mortgage applications).

There are many posters on here that want to rationalize their unethical behavior because it puts some money in their pocket.

In the end I realized that I make more money hiring a reasonable construction company I can rely on and trust than trying to cut out the middle man - so to speak.Then again, I usually do heavy gut rehabs.