Many have two or three generations in one household, pets, home businesses or multiple odd side gigs and second jobs—many have little to no credit because they use cash, have not been in the us long, or are undocumented.

Odd thing for your agent to not have an opinion on the ARV? 

My list consisted of 2 vehicles....a nice work truck like i have now and a car which is a nissan 370z. which for those of you who don't know is a sports car that can be had for 20k or less which is pretty humble considering there are corvetts and such rolling around town for 100k or more. then there was the house. a cabin out in the woods and a little garage. a few more odds and ends but that was basically it.

They must be legittttttttttttThis sounds all very odd to say the least. 

A few ways to increase odds are 1.

That's the first thing that strikes me as odd. 

Are you thinking there are good odds of a market correction?

Hey @CJ Francoeur - If in the odd chance you were still interested in Chicago I could probably be more help. 

My plan is to use an FHA loan with a co-signer to increase my odds of being accepted.

Hey, I have about 120 odd rent certificates (CRP) to do. 60 in MN and 60 in WI.