I’ve heard from a few other agents that have transferred to some of the virtual brokerages that it’s not as great as it all may seem.

Cash App has a fee however I'm not sure of the percent when you transfer into your bank. 

To be assumable you need a purchase contract with the owner, settlement statement/payoffs to show your down payment makes any sense against what is owed.If the HOA really succeeds, you will see that a Board member is miraculously on the transfer sale deed...The HOA cannot sign a contract to sell to you (they don't own it yet).

Not recommended as you cannot transfer the mortgage, so it will stay in your name as the original borrower.

You would be transferring the IRA to a new custodian who specializes in this so there would be no tax consequence.

I was just wondering if anyone knew if I needed to get that transferred to my name/business, or can I just have them renew the registration every year?

Low Fees: To maximize their returns, real estate investors often seek accounts with low fees for transactions, wire transfers, and account maintenance.

In these real estate deals you are dealing with 10s of thousands of dollars and when things go wrong on a thin budget is when you see dumpster fires and hear the cautionary tales.Most new investors concentrate solely on the down payment when in reality there's lots of costs: Closing costs, Holding Costs, Utilities Cost, you'll have to lay out money to the contractor for them to start the project, and there's taxes and insurance there's transfer tax title costs.More capital than you think is needed. 

I figured I could set up a PA LLC and either have the money directly transferred for payment during settlement or gifted to me to make payment.

The way most people do subject to deals is by setting up a system of checks and balances providing some protection for both buyer and seller, and trying to avoid alerting the lender that a deed transfer has taken place.