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.

Many had histories of substance abuse and, unfortunately, ended up homeless after having run through the good graces of every family member.  

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.

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.

I figure once I get 2-3, I can take a HELOC or something of the same substance to continue my portfolio growth.

No harm in talking to someone about this coverage at a local office.

I don't want to put myself in harms way every time I have to collect. 

There's no harm in adding a license to your name, and it also prevents situations where you might find yourself in some trouble. 

Growing up in south Jersey (sicklerville) I know what it’s like to bleed green and white so no harm haha. 

I consider the lie to be a white lie, like some compliments...untruthful but said because the truth is unpalatable and the lie causes no one harm.