If I give a free month as incentive I am guaranteed the lose of $3500, if I take the gamble and not collect the deposit, I’m hedging my bet that the tenant wont trash the place, and therefore less likely to lose $3500 bucks. 

Based on what I have found online it seems like deposits in the state of Oklahoma are typically deposited into an escrow account that may or may not be interest bearing. 

Now if you're investing to be hands off that changes things a bit, but you seem to be doing owner occupied units so I'm betting you are putting in some elbow grease.  

I'd place my bet on SFR w/ ADU over duplex, based on what you've said, but the price of the opinion that actually matters is going to be an appraisal fee and waiting for that to come back.

You don't lose any money by doing that, of course, but you don't make any either.I know the reluctance to condos runs deep, I bet well more than 80% of real estate investors share that reaction, but I wonder if it's from their experience or if it's just that they are repeating the same thing they hear from others.

All I do to show proof of funds when making a cash offer is take a screen shot or printout of my online bank account summary, making sure that it shows my name and that the total available balance is higher than my offer. 

those are all Morris invest markets that is what I bet spurred this question..  

I have a loan strategy question that I bet will help a few people in similar situations! 

Once you have those things then raising money becomes very possible.If you are in the beginning stages then you're best and probably only bet to raise money would be from family or close friends.

I really want to tour the properties I already own as well as get to know some of the neighborhoods that I'm looking at online daily.