I think Tommy is the brother of the MC. There are too many clues.
01. the coin of Tommy before the cum petition
02. Neil has coin collecting as a hobby
03. MC wins the naked race by the coin toss of Tommy
04. josy mentions that MC has the same annoyed expression as Tommy
05. in EP4 on Derek's route, MC finds coins from Bert and says: they're not worth much.
06. On the lube Josy holds in her hands, there is a warning not to use it on family members.
Too many coincidences in my opinion.
Only if DPC really made Tommy MC brother, probably the relationship MC Josy will be over. Unless Pete and Monica break up or Pete is not Josy's father.
l
And believe me, I definitely don't want to be right.