Well bit of a side discussion..... however, there's a number of factors you'd have to be filled in on.
This wholesaler actually had a serious investor (it's a company) with the funds and was already interested in the property. The wholesaler disclosed to the agent who the investor was and verified his relationship with him. The agent was actually familiar with the investor because his firm does a lot of flips in the area.
The investor did not want to provide his bank statements until he had a basic walk through. He felt the agent wasn't serious if he was unwilling to provide a basic walkthrough. So yes, you could say the investor is being a bit stubborn himself for not just emailing it over. Bottom line; the agent knew this investor was the real deal, and was unnecessarily being difficult. But there's certainly fault on both sides you could say.
Hence, that's how this whole thing came about. The wholesaler and I were discussing how he could approach a situation like that down the road, where you have a serious investor ready, but you're dealing with a difficult agent that wants POF. If this was a multi-million dollar finished home, I totally understand demanding POF prior, but this was a cheap fixer upper that was going to have public open houses next month.
