What I am trying to learn is the best approach to both as well as an understanding of the criteria that I would use, to make a decision on which way to go with the property, and why. 

Trying to sly your way out of mistakes you've made is why 90% of wholesalers are nothing more than used car salesmen that are too lazy to go to work.

I have my basics down but I just am in that fear stage to go out and do it myself , I got 3 deals that look nice but I am scared to go at them my selves , if anyone can help teach me I will find the deals and you can keep all the profit I don't care about the money I just want the knowledge

I would like to go fishing in the mountains of greenland.  

If the bank owned property is listed then you have to go through the listing agent. 

I am about to go for my first wholesale deal next month as soon as I'm done with training, are there any wholesalers in Houston area that is willing to help me?

Be sure to go to CARRIE.com.

Basically everything has to go well for you to make $20k on a $200k investment.

May need to go hard money as my cs is 634 and have some $$$ saved. 

Unfortunately I had to go through 3 other agents to find him.