This would satisfy your retirement desire. 

I applaud your desire to expose the practices which created loss and financial hardship for so many. 

There is a problem, but they always need somewhere to go and will never sell until that is clear and the path is set.

It does not have to go through all the scrutiny like these other institutionalized lenders.

There’s a number of issues to go through.

Lower-priced properties in less desirable areas often come with higher risk.

Government is understaffed and tend to go after only the highest profile offenders.  

When rates get to near 5% you should be able to pull out $250k (based on 75% LTV) and then your cash flow should be around break even (but you just pulled out 30 years worth of cash flow at $8k per year), the principal pay down will increase to about $8k and appreciation will stay the same at about $20k, so now your returns will be $28k on $140k of equity (based on the same sales cost assumptions above) and that is a 20% return and you have the $250k cash to go reinvest somewhere else.Don’t let anyone tell you that you made a mistake by not selling; holding is how you make money in real estate. 

A lot would have to go right for them to be able to help.  

If you have a newer home that rarely requires maintenance, a markup fee and low management fees may be the way to go.