No - life events are NOT (usually) necessary for roll-overs, but check your employer's plan's SPD (Summary Plan Description).You can keep the existing account open, and your employer (or you) can continue to contribute to it.

I’m self employed so I try to pay as low in taxes as possible.For additional income I recently started to house hack my primary home (4bed 2bath) I am currently house hacking renting 3 room each per month to international students for $650. 

So I am trying to close on my first home, and have been getting a couple of offers of employment for the past couple of months that are significantly higher pay than what I am making right now.

Besides your employment income, the rental income from both units can be used to qualify for a mortgage - some lenders will use 90% offset of rental income.

Is there anyone in a similar situation who is not W-2 employed?

Healthcare is one of the major hurdles for people leaving their traditional employment to be a full time investor. 

Good thing is employment rate is still good.  

Now that was from the employee perspective and not the employer.

Such plans are available to those who have some form of self-employment and no full time employees.

I have recently been informed that she has a retirement account through her employer.