Before you place anything hold down SHIFT-CTRL-ALT and place a lobby. A 3 story lobby should appear. If not, then you may have to drag upward.
To start off with double the money:
Simply build one section of lobby at the bottom left corner. You will get $4,000,000, instead of $2,000,000.
Thanks to Revolution readers Lopedawg10, Gogo1500, and Donnie Hatcher!