@James Wise is right, the idea of a living wage runs counter to a society where the mantra is more for less.In theory, a higher minimum wage leads to more money in circulation, but reality, in the context of North American society, would more likely be displacement of more jobs offshore.

You don't have to share your idea here, but I would recommend you share it with people and get others involved to make it a reality.  

Reality will be whatever it is. 

If you study the OM numbers, this should offer a lot of value to you in understanding the realities out in the marketplace.  

Not trying to be negative, but the reality is you need a really, really good presentation to get this in front of the right commercial bank decision maker.

The reality is they don't have much recourse against you but the agent could potentially lose their NAID number and their ability to sell HUD homes

And the reality is you won't get them, statute or not.

Thanks for the eye opening reality check Nick!

Well, you may not like what I had to say, let's get to reality and follow up the right way, good luck with your possible deal and this buyer pulling your poor investment out for you. :)    

Whether or not the second property becomes reality is yet to be known, but we decided to switch over to conventional finance since the rates were still low (4.375%) then we would still have the heloc free for other opportunities.