Mike's office is 90 feet from my front door.

Post office box.

I believe Nev is a brick and mortar state meaning you need a physical office there to broker mortgages there. 

However, a loan officer suggested getting a vacation home loan, then transferring the property to an LLC.

Dozens of branch/market offices throughout US of which I am out of national HQ.

The business committed to provide to me a closing of 3 land deals, membership portal with everything you need from start to finish, unlimited transactional funding available, first 8,000 mailers paid (print & postage), daily live office hours, unlimited deal reviews, weekly live deal reviews, recruited & fully trained sales team (first 90 days free), discounted sales team after 90 days, recruited & fully trained operations team ready to go, discounted operations team, professional buying & selling websites + monthly hosting, professional buying & selling logos created, trello advanced templates & training, datatree research subscription, access to private facebook group.

Checked with a CPA, it was odd because the loan officers / mortgage lenders didn't know I could do this until a CPA verified, then all of a sudden, they said oh yes you can do it..

While I remind people that the tax police exist, I am not the tax police.

The headquarters always blames the local office but never accepts responsibility. 

There is a difference between a loan officer from a credit union, and that of a retail inside loan officer like Pennymac.