Get out of your comfort zone.

When a tenant moves out, transfer the deposit back to Checking so it's ready to apply towards expenses or refund the Tenant.If you end up with excess funds in the Checking account, I recommend you transfer it to a third account designated explicitly for future investments.

Having a unified approach can help manage stress and ensure you’re both comfortable with the financial decisions.Market Research:Thoroughly research the market and neighborhoods where you plan to buy.

But try to twist and manipulate them, lol, well that's exactly what HOA's are designed to defend against. 

They have had 20 years of watching and hearing how their parents built wealth and comfortable lives.

Get out of your comfort zone.

You instruct the banker for company B to write a letter, on bank letterhead, confirming a DOLLAR AMOUNT of funds available (it doesn't have to be everything, just enough to comfortably cover the deal), and deliver it, along with the offer, to the listing agent or seller. 

It is a slow growth process to get comfortable debt and with responsibility.

When a tenant moves out, transfer the deposit back to Checking so it's ready to apply towards expenses or refund the Tenant.If you end up with excess funds in the Checking account, I recommend you transfer it to a third account designated explicitly for future investments.

I think it's less of an issue of which is better and more of what are you comfortable with?