You're not going to be able to time the market and dollar cost averaging automatically enforces a key temperament: that of discipline.

Luckily for me, my wife is very disciplined when it comes to our finances...so no sports car for me! 

You obviously have enough discipline to save so, I would recommend perhaps hang around this community more and get to know more investors.

Unfortunately I'm a beginner so I don't have any returns to enjoy yet haha  1 - Learn how to analyze markets, not just properties, from a financial point of view.2 - Learn how money works, meaning learn how to use strategies other than the typical flip and/or buy and hold strategies.3 - Learn how to design, plan, and execute a REI Plan.4 - Learn how top put all three disciplines together as one...since the correct use of the three is as one. 

Get clear with yourself about your reasons for zero-ing in - this is good discipline when you start to get drawn out of area if you get frustrated that there are no deals around - doing your homework on the area you buy in is crucial - if you stay clear you won't get wrong-footed.

It still lowers your overall return, but it might also put undue pressure on the sponsor to acquire with less discipline.  

Avoid the "soft" disciplines that have little market reward.My advice: stay away from credit cards. 

This can be in a separate account or if you are disciplined enough can just be kept track of in a budgeting spreadsheet.Hope this helps a bit and I apologize if I misunderstood your question.

Don't let someone less disciplined than you run the financial part of the business Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

It is a badge that helps the client on either side of a transaction know that the Realtor follows a strict code and if they don't they can and are quickly disciplined.