That loan will have some bank hand-holding that people dislike (annual reporting requirements for the first few years, all rent checks must get deposited into an account at that specific bank so they can see it coming in and have an automatic "early warning signal" if they drop off, etc), but hey in their case I'd say it wasn't unwarranted, their only track record is that of mismanaging after all. 

Drive a 2009 car that is paid off.I'm taking this next year to rent in Chicago (rent is about 1600/month) but am starting to seriously think about house-hacking and want to start talking numbers now so that I might be ready to close about a year or so from now. 

Monthly Rent + Monthly Debt Payments <= GROSS Monthly Income * 45%This accounts for some people who have outsized obligations such as car payments, child support, credit cards, student loans etc.

In cases of environmental contamination, that can limit what could be there in the future, for example a former car repair shop (that you found the stale yelp reviews for) is likely sufficiently contaminated that it can only ever be something like that, you won't be able to put a daycare center or restaurant in there. 

Separate1800sqft 5-car w/out lifts and w/lifts 10spaces, 10FT garage doors.

Is the yard full of cars and junk? 

The property is a 2 bed 2 bath with a den and a 1 car garage.

Like the car salesman/hustler who converts “ups” at a super high rate; or the guys hustling oil well participations over the phone.  

They are in violation of copyright law and shouldn't do it.This is straight from the Chicago Association of REALTORS website:A reminder that the Chicago Residential Lease, and all of CAR’s forms and contracts, are an exclusive member benefit for use only by Chicago Association of REALTORS® members or those who are party to a transaction facilitated by a Chicago Association of REALTORS® member.

However as a rule we have a baseline credit score (620) if they are below that- all applicants for the home combined, then we automatically require a double deposit (or higher deposit if double isn't allowed in your state).