At this point I say take the CC route, solely on your financial situation alone.
1) Should I re-take Phys 1 & lab at the community college? There is no way I can return to Loyola and pay $3000+ for the classes anymore, I'm a non-trad career changer and I pay cash.
Go for the summer re-take. You need to present the best possible packet.
If I should re-take Phys 1 w/lab should I do it in the spring so I have the grade replacement for DO ready to go during apps, or should I take just the Ochem 2 and study for my April MCAT, and then re-take in the summer? I do work full time.
They do not round up
3) Also, when I list the grades for AACOM/ACOMAS apps do they round the gpa? Would it say 3.37 or 3.4?
Your GPA right now isn't that competetive for MD schools. So, for them, you're going to need a 33> (ie, getting intot he upper 10-15th %ile).
4) What is the minimum MCAT that I need? I plan to do Sn2ed plan.