Rattling under 2005 Hyundai Santa Fe

SUV runs fine but on ignition and as it speeds up or idles, there’s a rattling noise underside of vehicle (can’t pinpoint) that sounds like a bunch of small steel balls vibrating. Had ball joints and timing belt changed recently and trannie flushed, so all fluids and belts are fine. My mechanics are “deaf” so they can’t seem to hear but passerbys can hear. Any clues?

Exhaust heat shield is my guess.

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My guess too… anything else might be expensive. Thx!