To answer your questions, Mel:
1) Living for over 3000 years, Jordan amassed a bountiful wealth. I do believe that Shal stated that Jordan was the president of some type of company or his and Janet's mother was. Either way, Jordan and Janet are filthy, stinkin' rich. Just because the government has pulled out and away from the Heroes doesn't mean they are at a lack of funds or resources.
I would say that for the most part, some of the Heroes do have their own homes (at least Ben and Katt and their baby do). And a lot of them are all still in California, as that is where the school was relocated to back in [i]Hero High 2[i] (iirc). But it would make a lot of sense to have them all grouped together or in the same general area. Maybe in the same city as it would be slightly less suspicious than having them all live in the same apartment complex or something of the such. That way, they can all go their separate ways when/if the government comes a snoopin'.
2) You raised an interesting subject when you asked "what happened to anyone arrested/surrendered?" I should say supers are not being openly hunted, and definitely not by police officers.
There are groups out there who would love to see as many supers dead as possible, (some are even working at as that is part of the basis of this RP.) But other see a better use for some supers other than dying. And I'm sure that there will be or already are some groups doing some recruiting for their own personal agendas. In various ways.
3) The Crusaders. To start off, the Crusaders DO have a leader. However, I don't want that person revealed as of yet. I don't even think it matters who the leader is right now anyways because the group itself and what they do is what's important. Some Crusaders know who their leader is and some don't. Other than that, there are members who take orders directly from the Leader and in turn, they lead other members.
The Crusaders are relatively small as of right now. They have hundreds of members based all over America but the group itself isn't big enough or old enough as of yet to have gone worldwide. YET.
There are about 3 bases of operations that the Crusaders definitely work from but they are a secret only to the members that have to know they they are. And it's through these bases that supers are put into the Underground.
Once a super, or supers, agree to enter the Underground, they are given new identities and places to live. In essence, a new life. everything about their old life is erased, which would lead one to assume that the Crusaders have access to sophisticated technology and a pretty decent amount of money.
It can be assumed that the Crusaders are able to find other supers via technology, super powers, or both. They are not discriminant to having normal people in the Underground if that is what is needed (ie, a super is the only one in their family who has powers.)
Finally, not all Crusaders know each other. As I stated before, there are hundreds of members all over America. It would be ignorant to assume that every member knows each other. However, they are able to tell whose a member as every Crusader is branded on their upper right shoulder when they join the organization.
Does this info help?