I was recently sent details about a 20-unit apartment complex that I’m interested in, but the seller's asking price doesn’t align with the numbers I’ve run.

It really depends on what you are looking and I think your thought process is correct.

I also had horrific PMs, particularly involved with a 48 unit apartment complex in Houston.  

This sounds complex, and if the conclusion you're coming to is mortgage fraud, I would not recommend it. 

Even something as simple as utilizing ChatGPT to speed up certain processes such as asking for generalized information on a market's demographics and immigration patterns can be useful and save a lot of time.

The owners of 100+ unit complexes are not individuals who will be swayed to sell by a good offer or the need to cut short term losses.

The process was seamless.

Yet, when I initiated a withdrawal, I was met with a complex set of terms, penalties, and withholding conditions that were never clearly explained beforehand.

Your situation is a little more complex than most people and I highly suggest you consult an attorney. 

We had the same thought process when we started A Blind Pig.