Went to local shop to change engine oil and looked up body frame when they lifted up.
Noticed leaking from transfer case and Rust is going on body frame...
I wash my car once a month regularly and do additional wash especially under body day after driven salt snow.

Y'all also having any issues what I have?

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You are not alone and many other people have this issue, although I can’t say that I have. I have a 2015 custom built SR5 but my frame and transfer case are stock. I have taken my baby through hell and back, through water puddles, thick mud, thin mud, sand, and even up mountains and I have not seen any rust or leaks.

I do know, and have heard that the area you live in can effect this. I don’t remember the states but I believe it’s more coastal cities that people experience this problem due to the salt from the ocean in the atmosphere. Washing your car is a good way to get all that salt off but sometimes it may not be enough. I could be wrong about this but I have read a threat about frames rusting and a lot of people who live near oceans had that issue. Hope that helps!

What year 4Runner do you have? I'd say that looks fairly par for the course for a 4ish year old vehicle in Michigan from what I saw when I was younger.