Please note, based on the numbers provided you will not be cash flowing. 154k loan amount - 30Y fixed  4k in annual taxes & Insurance 7.75% Rate Monthly PITI Payment = $1,436.60Your estimated rental income is only 1k-1.4k per month.

Unless you said something to her about NOT renting to her because she's single, what is she basing the claim on? 

Get with a Chicago-based real estate attorney that understands the RTLO and see if you fall under any of the exclusions.

@Jordan McDonald I'm based in Dallas Fort Worth.

If you don't own the house yet, you really need to pay the guy otherwise it's a waste of his time.Sometimes roofers and pools companies will give an estimate based on google maps. 

And I'm concentrating on Lake County as I'm familiar with the area some and have ties to the Navy base which may provide a competitive edge.

The issue I run into, based on what I can put down, is that I would most likely have to split the mortgage down the middle (I pay half/Tenant pays half) based on current rental rates and current mortgage rates (considering what I can put down).

I currently house hack with a SFH, but I'm researching ti decide what my next RE project should be based on my preference and market demands.

The coverage you need will vary based on the assets covered under the umbrella.

Hi Margarita;I'm based in Sac but looking right now also in Yuba City for SFH to rent.