I haven't the expertise or experience to really offer a valid opinion but why not do both at the same time
as, you concentrate on the image, vocalise in your mind "I am the owner of that car....house.....horse.......whatever"
I do not mean to be condexcending or flippant and I apologise if that is how this comes accross but I sincerely believe to cover all bases, that might be an easy way to go about it
you can also back it up throughout the day with affirmations and unless you are particularly poor at visualisation, with enough repetitions, one would presume that your affirmations might conjure up the image of your desired car, house, horse by association
a living thing might be a bit dodgy as you might actually (if successful) set moves in place for somebody to have to leave you their favourite animal as the Universe, God ....whatever might take your instructions literally and you might get THAT horse
a bit of a stretch I know but we are not working with definitives here
just my two cents
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