No ill will just giving my unwanted two cents :)

Penny-wise, pound-foolish. 

In other words it would be a penny wise and pound foolish move.On primary residential policies, I would not worry about being insured to value (co insurance requirement).

Keep an eye on that.Educate yourself on what buyers in your area want and build accordingly.Don't be "penny wise but pound foolish."

Don't be pennies wise, pound foolish.

Just have to keep pounding on banks doors until you get a yes.

Calling on the phone won't get it done to many people have cell phones and when they are in foreclosure they usually have other credit issues and are hounded by collection agencies... you can either mail and hope   or pound on doors and close deals. 

Do you mainly look for REO's or will you also go looking for unwanted/ neglected properties?

I would tell the landlord to go pound sand.I do not know why you want to spend 100,000 on a cafe business.

We found plenty of marijuana and crack pipes, pills of almost every variety and about a half pound of cocaine.