As far as bank is concerned, I am still the borrower, because we did this transfer behind the bank's back. 

But the person seemed bent on me wire transferring within 3 days, or the deal will no longer be valid.

Purchased with all Cash, title transferred into my name in 6 days Lessons learned?

Yes, you can transfer your properties to an LLC without refinancing, but here’s what to keep in mind:1.

In California, transferring ownership could trigger a property tax reassessment,To maintain compliance, a qualified intermediary (QI) must facilitate the 1031 exchange, and you cannot take direct possession of sale proceeds.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

Here is their description and note site Their terms state: "With whole note investments, the investor transfers the complete loan amount and is the sole owner of the 1st position on the loan.

Just remember anyone who has acted as your employee, attorney, accountant, investment banker or broker, or real estate agent or broker within the 2-year period ending on the date of the transfer of the first of the relinquished properties is considered your agent and is disqualified from being your QI.So definitely ask them for recommendations but they cannot act as your QI on the exchange. 

If you transferred your ownership share to his name now he wouldn't have owned it 100% for the prior two years. 

@Todd Anderson  Thank you Todd, I just have too convince my father about the Air Force and transferring colleges.