Our competitors aren't other syndicators, its other investment providers such as banks, brokerage firms, etc. 

I've been using Local Banks and credit unions (Portfolio lenders). 

Unless it's in the path of progress, banks will balk at lending, or refinancing. 

Reason's I've retained:Minimize your own cash in a deal.Use someone else's cash to buy a property (the bank) and another person's to pay off the loan (the renter).Buy more properties (simplistic example: buy one 100k property cash, or finance four 100k properties).On the other side, paying off a mortgage early (or unleverage):Pay off a property and increase cash flow (some people claim this is a terrible idea)Less risk.

HOAs also have restrictions on signage and showing, making it harder to rent out.If the HOA ends up in a big lawsuit, often banks won't provide a mortgage which means you may not be able to sell when you want to or do a cash-out refi. 

Wholesaling in Canada is not really realistic due to the much different real estate, banking and investing climate up here.It is rarely successful statistically even in the US, less so up here.

What I'm wanting to accomplish may be immoral but I'm looking for a legal way to get my bank to sell my mortgage to a trusted 3rd party.

(Pretty obvious I guess, but since bank is not requiring here, I'm a little confused).

We've been working on bylaws, registered as a non-profit, set up a bank account, drafted application forms, discussed membership fees, and a whole bunch of other stuff.

@Ryan Wilkerson put the money in the bank and keep it for operation costs..get our site up to date...host a networking event at your current flip...do not spend on mailers...let the wholesalers do that and you go find your own deals by networking with agents and searching online yourself.