Re: 70 HP Mercury rattling underneath flywheel
If the flywheel flex plate is cracked it'll make a sound like a bad bearing.
The flex plate can be inspected by unbolting from the center hub, just don't lose the orientation of the plate to the hub. Make some match marks or some other way of determining how it sits.
Reassemble with red Loctite on the bolts and torque to specs.
HTH..........ed