You must also consider ceiling height and window size as it pertains to bedroom egress, this is separate in terms of livable space. 

I am now under the suspicion that their friend, the one who is still living at the property, is the one who created separate accounts for all three of them and did the signing for each individual who is under this lease agreement. 

There are lots of hard money options (or maybe not "lots" but not too uncommon) with no appraisal required - that makes the offer equivalent to cash (closing within a couple days and no appraisal contingency - its out there)The lender still has to ok the deal, appraisal or not.

I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.

You do not need a separate LLC for each property or a series LLC!

I'm an investor with a couple properties as well as a CPA. 

Just a couple of notes:You need 8712 sqft of land for 3 units for r-2 in Tucson.  

I see two separate issues.1.

House hacks are fairly straightforward regardless if the units are separately metered.

.- Payments to investors are automated, so rental income is distributed directly without much hassle.What I found interesting is that this solves a couple of common issues:- Property owners can raise cash (for renovations as an example, or any other need) without giving up control of their property.- Investors get access to real estate cash flow with lower costs and no landlord responsibilities.- The whole process is simplified—no co-ownership legal headaches.I’m curious about the pros and cons of something like this.