My goal is to determine a maximum home price that will cash flow given an area's rental prices.I just want to ensure my credit card use does not harm my score.

There's no harm in calling him back per se, I guess you can see how much it will cost, but be prepared for a hard sell and if there is some conference or mentoring event, there will probably be a lot of upselling.

There are walking trails, gardens, wildlife, and a pool.  

We don't do anything for less than 5k/month, and even then, we are very picky, because it's a lot of work, and it requires a client that follows our instructions, and doesn't go rogue and do things that harm the site's SEO without consulting us (buying links, etc).

If somebody gets harmed at one of my properties because of something that was clearly my fault, then by all means, they have a right to sue.

Mount a motion activate wildlife camera on a tree and and download the footage and give to the cops.  

No harm in that.I paid off a bunch but the lowest rate was 6%+ and they were seller-financed or commercial,  representing more pain and risk than what you most likely have.Last consideration is if you have a small balance loan but are running into conventional loan limits of 4 or 10. 

The question to ask is how great is the risk for harm to themselves and/or others.

If that is his need what harm is there? 

Little difficult to make it on weekdays but no harm in trying.Thanks for organizing this meetup.