F1 rejected H4 Applied....... what are the chances??

Hello, My F1 visa rejected at Mumbai consulate on 24th June 2013 I got married on 14 th july 2013. Now I am applying for H-4 visa on 10th sept. I have heard from people that Mumbai consulate is strict than Chennai and Hyderabad. Is it true? Which questions mainly visa officer can ask about my F1 rejection? How can I answer those questions? One more, Rent agreement really needed? If I have all the docs of address proof to show? Can visa officer ask me about my previous DS160 which I filled during student visa? Because in that I didn’t mention my husband’s name… No relatives in US.