I'd be more than happy to take a look at that 4runner for you as I work about 10 minutes from there. I'm very skeptical about the "no rust" statement because if it's been in Chicagoland/midwest even 1 winter it will have at least some surface rust. From my experience when someone says no rust, 99.99% of the time it simply means no panels are rusting. Even then, it simply means it's nothing too noticeable, but may actually be rust.
Let me know if you want me to take a look. I can probably go tomorrow afternoon, but if not definitely Thursday.
That would be so helpful! I'd hate to drive 7 hours round trip just to crawl underneath and find a rusted out frame. I'll PM you. Thanks so much!