If each channel has a different price, we're ok with that.

There isn't that big of a difference in the amounts, especially if you are planning it to be a buy and hold.Think of it another way: how much are you willing to lose the property for?

I’m now going to share them with you to help you assess and compare the offerings from the different developers.1.

My guess is that they are legitimate but maybe use different domain names that funnel to the same investor/s for private lending deals.

@Gavin Jex seems like they are trying to help you out, but exposing you to tax issues.As @Chris Seveney already pointed out, one of you will be taxed on the 0% interest loan as a "gift".The other issue is that you will get the property at $170k roughly, and then be exposed to capital gains of the difference between that amount and the market value.Highly recommend you speak with an Estate Planner for possible better options.

You have 2 contractors that are quoting $100k difference in prices. 

To answer your question: for a relatively small multifamily (I would label this about 20 units or less), yes it is common to not get financials until LOI, and there is very limited information that can be derived from sellers financials that should effect value anyways, because how they operate is probably very different than how you will operate.

The offending tenant was on a joint several lease with a different roommate who left.

(and realistically a different fully qualified applicant will be given the lease while the first person tries to obtain additional documents)My lease allows for a small monthly pet fee, a modest non-refundable pet deposit, and verbiage that if they lie about the status of a service animal, that they will be charged an additional large fee for lying.

They tank just needs to make up the difference for the time there is no city water.