They wanted to talk to me in person because they probably didn't feel comfortable asking over the e-mail (or maybe didn't have electronic copies of the forms).

Of course you want to make the place beautiful and comfortable, but when you start thinking "how can I make the guests experience exceptional and memorable" then you start considering every little detail.

I am wanting to push myself further out of my comfort zone.

That being said, if you owner occupy and use PMI, it is an excellent way to maximize your cash on cash return.

Right now I'm in the stage of finding deals and getting comfortable analyzing them.

Every dollar also increases our credit line to pull from, maximizing flexibility.

Also you could go outside of your comfort zone and buy in a more affordable area?

I simply would like to maximize my money/options.  

He became to comfortable and kept showing up on the upper half of the property, so we ended it real quick.

The Tip for the startup of a Real Estate Career is to maximize your exposure.