Having a separate bank account in the LLC makes sense to keep track of expenses and income from business activity IMHO, and is something we generally prescribe to clients. 

Everybody is busy and if you aren't the squeaky wheel nothing gets done. 

And if they are only working hard because you visit the house a few times a week then you have the wrong team anyway.I have a great team, that includes a dedicated contractor that I help to scale his business and now he's loyal to me. 

Again, if it did, everything else would be out of business by now, right?

What was important I never took a dollar of cash flow or equity out of the business.

If the 7/1 works better for your business needs, that’s what matters most.

We serve alongside a group of missionaries (we are business owners in the states with real estate and restaurants, but split our time between the US and Panama).

Hi,I used to have really great credit (high 700s, maybe even 800 at one point) but it screwed up because my business lost a ton of money around covid.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

Which in turn will bring plenty of other investors and general business to the area.