I find it puzzling that a borrower can squat in your house for 4 months without paying a penny they're owed, and possibly destroying your property in the mean time, and that's not breaking the law.  

There is a lot more to the puzzle than just that number of course.Like others have said, working off outstanding debt is just comical.  

So am I the only agent puzzled why people use whole sellers?

If you can figure out the marketing / deal creation end of the puzzle I believe you can be successful in any area of real estate.

Finding a lender is the final piece of the puzzle.  

Get as much as you can, as long as you make a profit. yes, if the neighboring property sold for a certain amount per square foot then yours should be worth at least that. but you know he is trying to put a land puzzle together for a bigger development, so the ball is in your court. are you going to hold on to the property forever to see if the value does go up ?

The list I've given is a tiny part of the puzzle. 

I don’t think so because there is one more major piece to this puzzle.

Jasmine Anderson Jasmine, if by free and clear you mean no mortgage, Listsource and other list providers allow you to choose equity/loan to value.That's really only a small piece of the puzzle for the list generation.

It's your money, so I don't mind if you just want to use us for 1 piece of the puzzle, or just a second set of eyes to look at a situation and answer a quick question.