It's best to give the benefit of the doubt, but this is also a business and you need to protect your investment in the case that this type of behavior becomes repetitive. 

I have a few multifamily properties in the area and 100% of our tenants pay for utilities at this time.There’s 3 primary reasons in my experience: 1) It keeps tenants accountable for their behavior, like running AC with windows open in the summer etc...

I am against cash for keys for poor behavior, but that is not the case here.  

Usually fraud or negligence types of behavior.

Tenants learn from our behaviors, we set the the standard.

Most have been low income whites and behavior has more to do with class levels as opposed to their pigment.

However, the tenants would not allow us in on one side.The tenant opened the window to speak with our agent and inspector and we could hear him yell names at the top of his lungs at them and say many curse words and slam the window very aggressively.The property was absolutely perfect on all fronts other than the tenants behavior.

So, expect that going into any loan situation, but don't over-estimate the impact of this on your credit when it happens alongside otherwise healthy, wise financial behavior.

This would be hard for me to tolerate and they would get a firm talking to that this was unacceptable behavior and if it continues she can expect a non renewal if we can't keep it professional. 

Lastly, after you receive advice from other Chicago area SLH operators & the local municipal agencies that will not only save you time but direct you towards ways to save you money, you are going to likely want to register your business as an LLC with the state and obtain the proper small business renters Insurance policy under your LLC’s name (if its just a 2-3br operation the policy monthly premium  cost will be very low and will shield you as an individual from the very probable situation of being personally liable for the behaviors, damages, & actions of a traditionally high-risk short-term tenant group bc no landlord’s homeowners insurance policy will cover any damages or personal liabilities that will occur when they discover the nature of the operation.