I had read somewhere that you can roll lawyer costs (title, etc) into basis cost as well as origination fee and deduct for life of the loan.

I did not think you did either but I am pretty sure you do.and in Oregon you don't need a real estate license but if your buying a property to resell IE your not owner occupy you for SURE need a developers license.. and to get one is simply a fee and you need a bond and insurance.. so we cannot make a blanket statement that its legal In all 50 states.. to buy then resell.. 

I suggested the price to him, set my fee, and he brought the buyer.

Here are the numbers of the deal: Loan Amount: $123,600Points: 3Annualized Interest Rate: 12%Fee's: $750Term: 60-daysType: BalloonPayoff Amount: $130,616.89I transferred the $123,600 from my personal line of credit to my business checking account.

They aren't going to waive late fees or maintenance fees.

What do you guys recommend as a referral fee on a wholesale deal?

Selling on the MLS would cost $13.2k in realtor fees (at 6%) putting you at 206.8k from $220k, so there's really nothing there.  

I know that I could close this deal using a double closing with a transactional funding lender but of course I'd like to minimize my fees.

You just need to run this through a filter and see if it makes sense to control an asset with zero bank involvement up front...and assess what structure of the deal takes on.I just offered on a 6-unit last night...and usually keep consistent opening terms for debt-free properties: 10% down, pay sellers closing costs and all document prep fees, pay realtor commissions, at or near list price (if it makes sense), 4-5 yr balloon, 30-yr amortization, 6-7% interest.  

Also why not a SFR that does not have HOA or fees.