Definitely check out the Ultimate Guide to Real Estate Investing by Brandon Turner.

Check out the BP Guide on Wholesalinghttps://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/

Problem is, he can't survive for months without income.

Ultimately this depends on your marketing company's financial performance and the ability to service the proposed mortgage.

Univest Bank ultimately said they would do it but my property is too far out of their footprint area. 

I have ultimately found that helping others make money leads to my making tons more in the end.

The ultimate beginners guide is good place to start and the book on flipping houses is good for learning to estimate rehab costs. 

I agree with you that if the numbers ultimately work, then I am okay with the deal having a couple different fees on it however my recent experience, which is the reason for this post, is that these wholesale deals aren't getting to me and other cash buyers as actual "wholesale" by the time the multiple layer of fees are placed on them.In regards to your observance of "agents add your commission" and "they have very slim margins" - well, I have point out here that if (we) let the "they have very slim margins" excuse be okay, then the wholesalers are going to continue to take the lowest hanging fruit because they know that they can just feed it to their massive list of [agents] that will move the properties for them.

Your lien would survive the transfer to the daughter.

That will be my ultimate meal ticket.