Timing Chain? Cranks but won't start

2001 RAV4 2WD, manual trans, 150k miles.
Engine cranks at normal speed, but does not start or even catch a bit.
The cranking does not sound normal though. There is no mechanical sound, like scraping, rattling, or banging, but it sounds like the "breathing " is off and the cranking sound is a bit different.
I have had a timing chain go before on another vehicle, and I think it sounds similar, as far as the cranking.
Regarding possible engine damage, I've read it is an interference engine some places, and not on others. Is it? If so, does it trash the engine.
What else might it be?
Anything else to check?
If it is timing chain, about how much does it cost to replace at a shop (Anaheim, CA area if it matters)?

Regarding doing it myself, I have done timing chains before, but in looking at the instructions, the RAV4 looks like more work, involving removing oil pan, dropping exhaust, etc.
Any shortcuts you know of, or is it as described in the manuals?
Thanks