well-- if he has the money to pay 650 a month, plus car payments if he has any, cell phone etc. he can't be doing to bad in life-- BUT, you are 16.. your way to young to move out and live by yourself, as most people are going to say-- but if you can support yourself and not screw up and be a 'disgrace', i wish you the best of luck--
if your looking for the toledo area, while staying in michigan, there are PLENTY of places that can't be too hard to find-- if your looking for the toledo area, i'm sure there is also quite a few places, since right off the freeway it's gangster heaven