She sometimes changes location. It is indeed just whip it out and git 'er done. Her bottom half is already naked and waiting when you open the door to come in, and you never see her top half.
You can try to set a speed record by doing the dress up and prep of your jimmy in the car when you get there, so you can walk in, whip it out, pass the cash between her legs, pump-n-dump, and skedaddle. It truly is similar to those Czech Fantasy videos.