A dodge scoot isn't that pricey, it seems a good way to go for the low budget runner. you can bring it into your low lifestyle apartment. Squatters I usually tell the player to go back to the drawing board.
Renault Fun-One or the Horizon Double Revolution are the cheapest enclosed vehicles.
Squatter? "You walk out of the coffin hotel, out of Nuyen and wondering what overpass you'll be sleeping under tonight when your commlink lights up with your Fixers number. About friggen time...."
"You've been sleeping on your girlfriends couch for the past couple weeks... well, ex-girlfriend. And its starting to get awkward, especially last night when she brought her new boyfriend home. Better start making some calls if you want to find your own place."
"You wake up with a jump as the Lone Star beat cop bangs on your Ford Americar's window. Last nights takeout containers go spilling off your chest onto the floor. The cop gives you the move along signal, no more Free Parking here chummer."
ect, ect, ect.
Starting Shadowrun characters are going to be missing something, somewhere. Either a piece of gear, or some skill, some attribute at 1, or something. Its only an issue if it goes on for multiple runs. Just make sure the player knows your expectations as a GM.