Did you try with F3-5 Growth factor?
"Daisy upgrade? (D6) per your advice, "mage" Daisy, "Hi wit" (but only Wit-10 so far--higher in Phy) "
Man I don't know what to say, in my run posted below by D6 my Daisy has Wit:52 Phy:15, that's a mage Daisy and she has a Bone Club.
"Ex why hooker bad: 43/day vs 63/day (fish) [w hi charm & Pet class!]
Conclusion: [D12]
Hookers just aren' worth it---a low stat Hunter still makes a lot more than a Med stat Harlot [more if good tools]"
Again by D6 I have 2 hookers, the 1rst which is also a combattant earns 146.8 and the 2nd 54.8.
By D12 I have 4 hookers, 123.3 + 96.2 + 53.5 + 33.6 and this is with bad F in charm in the beginning.
I'll remind you that I only made room expansions and master bed, I did not made any other mansion upgrade. I do not forge anything, same with crafting and cooking. I do not have issue with gold either, I was able to buy equipments little by little.