Frequently Asked Questions

How Do I Get Started?

Click HERE or at the link above and fill out the application. We will carefully review your application to assess your eligibility for our service. If you qualify, we will proceed with running the necessary reports and issuing your approval certificate. From there, the next step is securing your new residence.

What Credit Score Do I Need To Qualify?

There is no set minimum credit score requirement. Greater emphasis is placed on income. Applicants must be steadily employed or have a consistent source of income and be able to document such.

What Services Do You Offer?

We specialize in supporting renters with unique financial circumstances, including those with damaged credit, self-employed individuals, students, and many others. Our service provides landlords with peace of mind by guaranteeing rental payments in the event of tenant eviction.

What's The Timeline?

For most applications, we can have preliminary decisions in about an hour when complete documentation is provided. If documents are missing or landlord responses are delayed, the timeline may be extended accordingly. Once your formal approval is issued, we can close immediately or whenever you're ready.

What Does It Cost?

Following approval, renters pay a fee equal to approximately 85% to 110% of one month’s rent, due at lease signing. This is based on an internal, self-developed formula that we apply to all approvals. Landlords benefit from our service at no expense.

Is There An Application Fee?

There is no cost to submit your initial application. If your income and employment history meet our basic underwriting guidelines, we will invoice you for credit and background reports. The fee for these reports is $59 or $69, depending on what the underwriter determines will be necessary for your specific case. Applicants with evictions will typically require a little more time.

I Have A Roommate, Can You Help?

Yes, roommates or additional tenants are fine. However, all applicants who plan to be on the lease, or whose income will be considered for approval, must apply individually. Good news: Our fee is per lease, not per person.

Do You Have A List Of Properties?

Due to the rapid turnover of available properties, maintaining an accurate, up-to-date database proved to be impractical. Given the specialized nature of our services, continuing this effort diverted focus from our primary operations.

Do You Pay My Rent If I Can't?

No. If rent is not paid in accordance with the lease, we cannot and will not prevent eviction proceedings. While we will ensure the landlord is made whole if an eviction occurs, the lease terms remain unchanged. Our guarantee does not cover missed rent payments in order for a renter to maintain occupancy, and any costs incurred by us due to tenant default will be charged to the renter.

Do You Provide Service In My Area?

Yes. We cover all of the continental United States, as well as Alaska, Hawaii, and Puerto Rico. Hablamos Español. Si tienes preguntas, envíenos un correo electrónico.

I Have A Past Eviction. Can You Help?

Short answer: Probably. While all of our renters are working through credit challenges, evictions can present a higher hurdle. Landlords are understandably cautious, which is why we prioritize income over credit history and evaluate each situation on its own merits. Usually, evictions result from one-time circumstances that are unlikely to repeat. We look at the full picture and take it from there.

I Am A Landlord. What Does This Cost Me?

Zero.

I Don't Make 3 Times The Rent. What Do I Do?

Find another place. If the place you're looking to rent is more than one-third of your monthly income, you're shopping above your means. Our job is to provide a service to help those who are realistic about their finances and need some help. Most landlords also have limits on these ratios.

Non-negotiable rules:

If you're pressed for time, plan ahead next time. We are masters of efficiency, but we are never "rushed." You are not our only renter, and we have other people who are also depending on us. Be patient and we'll take care of you.

We receive hundreds of applications every day. Over half of all applications contain false information. Please just be honest. We WILL find out. We verify absolutely everything. Please, just be honest and save us both some time.

We are genuinely kind and truly want to help. We never lose and we always collect. Please be responsible, and we will always do everything in our power to make your move easier.

What's your Number? I need To Speak To an Agent.

No you don't. Read this page. Our system is streamlined and very efficient. All answers are on our FAQ page.