I have been thinking from an investor perspective 100%, i.e. my goal is to make sure every penny I spend will have some return.

@Kevin Scott is correct the Doctor's office can delete it and recall the collection that they sent to the collection company to collect pennies on the dollar.

I am a straight shooter and don’t sugar coat things and am not a yes man if that is what you are looking for advice wise.SwannyBP Guest Podcast 238

I love them but they're penny pinchers ha. 

Not FSBO, that's too late too, and with a penny pincher delusional seller who thinks they know everything because they can google search to boot, that's hurting things for the buyer, not helping (as drama goes up, probability of closing goes down).

However, their leveraged return is even better since they basically never spent a penny of their own money and walked with 41,942.21. 

It's a waste of everyone's time to sugar coat what's going on in the market.

If they could, they would turn everyone upside down and shake them until the pennies fell out of their pockets....Best thing anyone could do is move, I wish I had done it sooner....

Start saving your pennies now cuz im sure youve seen nothing is cheap at the moment so the more cash on hand when youre ready to go after something the better

If you can find micro-markets in Cleveland that can sustain it, it is still possible to take a property and breathe new life into it and make a pretty penny.