Not sure knowing where you got those free products from but it sounds like the product that is white in review and renders in color is a shaded item .. that means no image maps are attached .. if you want to see the color in review you can add it in the materialsroom > diffuse .. the second item you mentioned I think is model only that are mostly used to develop games .. but you can import the .obj file in Poser through the menu

Hard to tell for sure .. but hope this info helps a bit