Sometimes it’s difficult to get a straight answer from the hospital HR DEPT regarding if they do.

What is everyone’s thoughts on no 401k just straight real estate?

If you take the cash out when you reFi, you’ll likely pay a higher rate for that loan than you would for a straight ReFi, so you probably won’t save much if anything over paying PMI for a little while. 

It's definitely going to be frustrating, it's a really nice peice of furniture but obviously they can't have it in this small 650sqft unit without it being a hazard.Again, I'm a first timer, I know the solution is pretty straight forward but I'd love some advice.

With a straight-forward MLS-search, buy-and-hold LTR model, that's really a thing of the past.

By the way I’m a big fan of your team, I heard you on the Straight Up Chicago Investor podcast!

Is it straight from left to right? 

This is straight from the Fannie Mae Servicing Guide.Best of Luck!

I know Zelle links straight to a bank account, unlike Paypal - but I'm unsure of the paper trail it can provide for accounting/tax/reporting needs.

If you want straight up Investor Loan, it's 20% - 25% Down Payment Minimum, or some creative finance arrangement.