So my conclusion is if you have Means  to transact this is probably just as good as any of the masterminds out there.. but if you are thinking by joining its going to bring you investors to help with deals.. not sure about that.

I have some of the required funds in a HYSA, but will most likely need to draw from another account and I'm curious which method is the most efficient in terms of taxes/capital gains, penalties, loan repayments, etc.Based on my previous transactions in the market, I estimate ~$45k cash to close: $20k for the down payment, $15k for closing costs and prepaids, and $10k of starting reserves.

Be a long-term investor focusing on controlling as many assets as possible most safely. 

You may pull it off.Still, there's something to be said for the critical mass, many baskets, safe-if-boring neighborhoods.

My bank said no problems on their end, and I was never able to reconnect my bank for downloading transactions.

We don't pay vendors by credit card or cashapp because it is far too hard to keep the accounting straight with a high volume of transactions to do that. 

She had no connection to the property and no personal stake in the transaction.

I'll definitely play it safe.

but I had a few thousand transactions in my experience bucket and I did it for one client only..  

: A 1031 Exchange can defer a significant amount of capital gains tax, so it’s often worth it for high-value transactions.