@Mario Morales I allow pets and have a pet waiver that I have tenants with pets sign when they move in.

Additionally, you could explore the option of separate utility meters for the guest house to accurately bill for the usage, encouraging responsible energy consumption.

Moral of the story is, either someone at auction either buys your interest in the property whereby you get paid the reserve upto the total due under the lien or the property does not sell and it reverts to you as an property owner.  

As a wholesaler if you don't tell at least 3 lies within your 1st two deal you won't be allowed in the wholesalers club.... j/k :-)Here's my nickel of knowledge: Whether its a little lie, big lie or slight bending of the truth, if you feel it compromises your morals to the point you can't live with yourself then by all means stay clear from it.

Moral of the story, if your name is not on it, or you don't have proof that you reimbursed the cost, it won't be allowed.

Everyone needs to decide where they draw the line legally, morally, and ethically.

But I would like to hear some feedback wheather this can be done anymore, if its legal on paper and morally?

The moral of the story here, is yes, a Mortgagee can work with and encourage a Borrower to refinance but there are limitations and proper ways to conduct yourself.  

That's .69 million barrels of oil less than our current consumption.

If you need other people's money then a 2% cash back card isn't the answer.Let's step down of the moral soap box for a second and not make so many assumption about the person you are addressing.Many of us, like yourself, are in cash positive position and do not "need" other peoples money, but that does not mean you should not use other peoples money if the cost to do so is less than the opportunity costs to use your own capital.