I have got the online process to work twice now. The only caveat I know is that in order to check-in on line you must have checked in with immigration in person or with an agent one time prior to using the online system
When I came last year there was a special 45 day entry visa. I applied for my retirement visa once I had a place to live. I used an agent to open a bank account and get my retirement visa. Only took a few days.
If you have a good idea where you will live then you should have no problem with 30 day entry visa to get retirement visa. The agent can extend the 30 days if needed while getting the retirement visa