The trouble with that is many ammonia compounds attack copper and can cause long-term corrosion, as do chlorides, so if you do use an ammonium chloride based (or other high activity) flux, you *MUST* clean the board thoroughly afterwards - initial defluxing with flux remover (solvent) to remove water resistant residue, then repeated washing with hot water and detergent, or heated ultrasonic cleaning, followed by rinsing with distilled or deionised water, and finally a thorough clean with IPA. If you don't, you are likely to have trouble with the tracks to the pad you reworked corroding through months or years later. However the same four stage cleaning process would be good for cleaning up the general contamination on the board, and for removing loose soldermask, so if you have the facilities to do so, it may be worth considering.
If you hope to get away with less thorough board cleaning, its a lot simpler to just scrape the solder surface of the joint you are reworking with a scalpel, or for large areas, abrade with a fibreglass pencil, to expose clean metal, then add some fresh rosin cure solder, with extra RMA flux, which will remelt the joint and break up the surface corrosion where you haven't scraped, so you can wick or solder-suck the joint normally without leaving significantly corrosive flux residue.
On the subject of water for board washing - as long as it doesn't dry, any potable water that doesn't contain excessive free chlorine or chlorides is fine. Its only if your local water supply smells strongly off chlorine, tastes like bleach or tastes salty, that its not suitable. However the final water rinse *must* be distilled/deionised to avoid leaving ionic contaminants on the board as it dries, and should be by spray (e.g using a sprayer bottle) rather than bath or tank if you are cleaning multiple boards as contaminant buildup in the rinse bath would defeat the purpose of using pure water.