As the saying goes "Date the rate, marry the home" 

He bases the loan off of owned properties and the properties you bought in the last couple of years.

I'll give you a couple of examples.

At worst, you're responsible for 4 days of YOUR cost for the internet, so a couple of dollars.

Additionally, as long as you put 20% down, it typically keeps you safe in terms of cash flow, and then you simply have a couple dozen houses with tenants paying off your mortgages.

Do you need all this for a couple of rentals?

Holding EXEMPT (from bankruptcy forfeiture) assets, holding assets in exempt entities (retirement accounts, pensions, IRAs, in some states insurance and annuities), homestead exemption, remote entity protection (LLC, Serial LLC, Corporations, Limited Partnerships,) Asset Protection Trusts, using separation of assets for married individuals (in certain states) charitable remainder trust, etc. can be very effective though can be costly. 

I know a couple of chicago eviction attorneys who might be able to help, they also do work in dupage County.

I have consulted with a few attorneys over the past couple years regarding this and have determined that for my own personal situation, umbrella insurance provides sufficient risk mitigation for my situation at this time.

Ask a couple of them to stay after and discuss this topic.Forget the negative tone of any of the following:This is a huge discussion with many questions and answers.