Maybe set up one room like her bedroom with a locking door knob so that she can put kitties and 'stay out of this stuff' in there and feel save while you work 9 to 5 each day. 

@Mitch KennedyI agree with  what @Tim Swierczek and @Alssya Strom has said about PMI....plus when you build up enough cash or the property appreciates you can get rid of PMI so not like you are locking yourself into a PMI payment for 30yrs.

There is nothing wrong with being cash rich while everyone is in loans up to their ears.

I'd try to get it locked up now.

“It doesn’t change the published price,” however, and therefore does not affect area property values.Opendoor uses a smartphone app to allow potential buyers to tour its homesDigital locks allow anyone with an Opendoor smartphone app to tour a home with or without a Realtor.The app unlocks the front door, and tours are allowed between 6 a.m. and 9 p.m.Realtor Katie Tarpley, with Better Homes and Gardens Real Estate Lifestyles Realty, toured the Livery Drive home with her customers.They liked the home and made an offer, she said.

My ears perked up (my eyes perked up???)

That would lock up another 5% equity you couldn't touch.  

I locked in at mid 5's for an interest rate, 20 year term, fixed for 5 years (25% down) and resets after that.I first became interested in the Twin Cities area due to my friend and his family living in a first ring suburb. 

Agent, credit timing for us locking in a decent price.

Lock in the rates now if you didn’t last year.