In the last three years, I've bought five guns from a FFL dealer who has no store, while sitting at his kitchen table in his house. (In Maryland, no less!)
I've done the same in NY. I have a really great deal going on with him -- I would email him before I would make any online purchase and ask if he could beat it. If so, I'd pick it up from him. If not, he'd tell me to order it and have it delivered to him. $25 transfer later and everything was square. I must have used him at least a dozen times. All out of his house.
Did you actually buy five guns from that dealer, or did you do five transfers with background checks? I have done a ton of transfers with my local FFL dealer, but have never actually bought a gun directly from him. He just can't compete with online prices.