You sure don't know how to read between the lines of what I say but hey, scout, knock em dead. You sound smarter than me.You paint with a very broad brush and isn't the case for some people. Are you a licensed FA? I don't think so from some of your other questionable "advice" (Dave Ramsey!?!). Don't take people down a path they may not understand.
A lot? Really? What lender and for what reason? If it's sold, they cannot arbitrarily "call" the note.
Dude. Just stop. They do NOT take "ownership" unless it's a deed of trust which doesn't exist in Oklahoma. It's a lien. You are giving ****** advice out of your ass that is just WRONG.
But I've made my million and working on the next.
Piece out and good luck