Our notarized contract stated that these funds were to be used as payment for a specific apartment complex.

Of course a Note is Notarized, but I like documentation, documentation, documentation.....To me it's the only thing that helps you in court, plus when someone is borrowing from you, and they know you are documenting the heck out of everything, doesn't that tell them that certainly you will follow through with foreclosure if necessary, and that its' not just an empty "threat."

Do I need them to get it notarized?

Everyone is right - I know many investors to just transfer it over to the LLC and I know some who do the land trust.Since Wells is "somewhat" aware of this (no offense but that was your rookie mistake - letting them know) I might not transfer it for a few months - just let it sit - or get it transferred by don't record the deed - that way it is notarized and all but somehow the city just didn't get it recorded?

So -- as has been said already -- you need great location.Lastly, though I could go on, get all their parents to sign notarized guarantees.

I (the seller) and the buyer live in two different states.Am I right to wait for the signature of the buyer before I sign (and get it notarized on my end) or do I sign, havethe buyer sign, and have the document notarized on the buyers end?

If either of them agree, get their signature notarized and record the deed. 

City utilities, or not? Are

Most HOA's etc will not/are not required to give info of any kind, particularly financial, to "outsiders" so she would not be able to get ALL necessary info, unlsee she happens to meet a homeowner who not only has the info, but is also willing to share it.

In general, at the Federal level, business purpose loans, owner occupied or not, are exempt from TILA and RESPA, as modified by Dodd-Frank.