Build those reserves up the old fashioned way!

Investments don't go up in value in a linear fashion like an IRR/NPV formula might suggest.Take bitcoin for example.

I would like to start using Cozy, but some residents are old fashion.

Are there mechanisms of some sort that I should have in place in order to execute in this fashion? 

If you feel you have done estimates in this fashion and found a way to make a good return anyway, seems like a win.

Anyone else out there approach decision makers in this fashion?

If you and your agent think your right just don't sign the release.. the buyer for sure is not going to sign the release to you.. so its just a stalemate..the title company will hold the funds until such time as they interplead it to the court .. then you both hire attornies.. and fight it out.but in the meantime most folks would come up with a win win for this and split the money in some fashion ( assuming your correct that this buyer was out of contract and defaulted)

We will have to save the old fashioned way for those I think. 

Is it better to go sit in a classroom and learn the old fashion?

By using the HELOC model, I could use the equity when needed (no mortgage payment until funds are needed) and pay back the HELOC in an accelerated fashion.