Ok guys, now I found the perfect "theory"(definitely not a fanfic). MC is actually both Burgmeister and Royce, also the long lost brother of Rusty. MC's mother is actually a Royce, and his father is a Burgmeister... But they hid that fact growing up so that MC wouldn't be a rich snob when he got to B&R. Rusty doesn't use Russell as his name because when he was little, MC used to call him Rusty and he liked that.
Now, you have the dream : Jill is your sister and Bella is the stepmother. Josy is actually Bella's daughter so you can have the incest dream you always had.
If I tried a bit harder I could fit Sage and Maya to the story as well, but I'm tired for now. Will try better next time I promise
This theory may make no sense for you, but this is what I believe. I realized this from Ep5's Bella and Jill scene. It's actually pretty obvious, if you look hard enough you too will see that.