Is this the rantings of a failed investment banker or something else?

And I don't just mean internat millionaires or rich bankers.

Whoever gets awarded the property gets the mortgage.

My friend award Hanigan was the first person besides John Beck who shared my enthusiasm for title research and told me about buying the Examiner's Manual every year or two from the CA County Recorders Association. 

I pay the awarded contractor in three equal installments and agreed upon work for each phase.

My banker says no way to LLC, so I move it out when I need to refi or when I buy, then transfer it back into LLC after financing is in place.

Some bankers are more willing to loan to sole proprietors since they can place a lien on the personal assets as well should you run into problems.If you are holding multiple properties, then you might wish to get an LLC.  

@Sheryl Gurvey wins the Captain Obvious award, and reminds me that maybe I should come up with better titles for my videos!

So my banker is telling that I should do first time home buyer spend 15000 for down payment and use the rest of my and save some more money and buy a 4plex next year what do you think of that ?

Or better yet can i take payment and still be awarded warrant of eviction