Any Questions?

We are a Tech-based financial services company focused on real estate. We bring together renters with less-than-perfect credit and landlords who need to lease vacant units. Our job is to see to it that landlords collect the full lease value if the worst happens. This allows landlords to tap into a larger pool of potential renters to maximize occupancy. Landlords will always collect their monthly rent in cases of eviction or abandonment.

No. Renters can use any service to find their new place. While most landlords and management companies are very receptive to our service, some are not. It is the responsibility of the renter to verify that the landlord or management company will accept guarantors prior to applying with them.

1. Apply here and upload a copy of your ID and 2 most recent paycheck stubs that show your year-to-date earnings. If self-employed, we will need at least 12 months of continuous business bank statements and/or your tax filings for the previous year. One or both will be needed to calculate your overall income.
2. We will perform our due diligence and verify all of your application info. Assuming that we can verify your application information and we are 99.9% certain that we can approve you, we will invoice you for your credit & background checks ($59) and issue your approval letter. At this point you are approved as long as you are eviction-free and not currently in an open bankruptcy.
3. Once you have found your new place, before applying, notify us of the address, unit number and most importantly the landlord’s (or agent’s/broker’s) name and email address. If possible, sending us a prospective lease to verify details ahead of time is always best so that we can more effectively perform our due diligence on the property.
4. Once the property information and lease have been cleared, we will send out our service agreement for E-signatures via DocuSign, collect our fee and send a copy of the fully executed contract to all parties.

• After closing, you simply pay your rent directly to the landlord by certifiable means as you usually would. That’s it.

In order to pre-qualify, renters will at minimum need to be able to demonstrate consistent documented income, must have no prior evictions and must not be in an open bankruptcy. We also consider your current debt to income ratio (DTI), background check and other factors.

If you’re here, you may have already been denied a lease and/or you know your credit isn’t going to qualify for a new apartment. A lease guarantee is a contract that guarantees payments to landlords if a renter is evicted. It allows landlords to accept renters who otherwise would not meet their minimum qualification guidelines. The landlord’s risk of rent loss is removed from the equation, thus making renting to individuals who may not look good on paper, a safe bet. While we focus on renters with damaged credit, there are many other categories of renters who may need a lease guarantee. Please reach out to us if you are unsure about your situation.

If approved, our fee is equal to one month’s rent due at lease inception. There is no “payment plan” because once our contract has been signed by all parties, it is legally enforceable and can’t be retracted due to non-payment. There are no additional ongoing charges or fees whatsoever.

No. Our decisions are based on income and past performance. Your credit scores are NOT a factor.

Zero.

As a rule of thumb, if the rent is more than one-third of your monthly income, you are probably looking at the wrong place. We are here for renters who fall short on the credit side, not the income side. Unlike credit scores which are extremely easy to manipulate, income is a fact. We never allow renters to overextend themselves as this only leads to problems down the road.

This amount can fluctuate because there are several factors that need to be considered. Every applicant is unique, and we treat them as such. Just as a basic gauge, approvals typically come in at 30% to 40% of a renter’s net monthly income. Again, this can tilt in either direction as there are some variables that we need to examine individually, but it is a good marker. 

All contracts are for a term of 12 months.

Great news! You are not restricted to any pre-determined set of properties. If a landlord will accept guarantors, we can work with them. Again, it must be a single-family residence as defined by law.

Absolutely. Each renter would need to be screened individually but our fee is only per lease, not per person. 

No. This needs to be made abundantly clear. If you are not paying your rent under the terms of the lease agreement, we can not nor will not, stop any eviction proceeding. We will see to it that the landlord is made whole if you are evicted, but the terms of your lease do not change. We do not cover missed payments by the tenant to maintain occupancy. Any losses stemming from renter default and incurred by us will be charged to the renter. 

Yes. We can work with any landlord or management company in any city and state. Your new place must be defined as a legal residential dwelling. Apartments, Condos, Townhomes and Single Family Homes are all acceptable.

No. We can only work with residential units.

Pre-Approval decisions typically take just 30 to 90 minutes when we have all the required documents. Full approvals can take up to 24 to 48 hours during our busy season. However, if time is a factor and you’re in a bit of a crunch, we’ll try to expedite things if we can.

Yes. Any legal residential dwelling is fine. Apartments, condos, townhomes and single-family homes are acceptable.

We tried keeping a real time inventory in our early days. The problem was that the rate at which properties came and went, far surpassed our ability to properly track them and maintain an accurate database. Our service is very specialized, and we do what we do very well, but keeping track of available units detracted from our core business of getting renters approved. However, we are currently reconsidering this for the future as our team is growing. 

Yes and no. We check with a 4th bureau so your credit reports with the major 3 reporting agencies will not be affected. However, if you choose to opt-in to our rent reporting service, we can have your positive rent payments reported to the big 3 bureaus, thus increasing your credit score over time. (Landlord cooperation is required). Your scores will increase month by month as you are now demonstrating a pattern of a solid rental history.

 Honestly, you don’t. 99.9% of questions are already addressed here. For the sake of efficiency and to better service our clients, we have transitioned to E-communication and AI interface exclusively. Having to reiterate over the phone what has already been explained here on our site hinders our ability to service applicants who have taken the time to read. Please take a minute to familiarize yourself with this page and our Process page, and you will find every answer you are looking for. If there is anything we didn’t cover, or if something is unclear, just ask.

Absolutely not. The BBB is not accredited with Nationwide Financial. The BBB would like you to believe that they are your friend or advocate. This could not be further from the truth. They are a non-government, private, for-profit company from whom businesses can BUY an “A” rating to artificially manipulate their reputation. If a company can buy an “A” rating, what is it really worth? They rely solely on name recognition and the ignorance of the general public. We never ask for reviews, but we do appreciate them. The BBB is not accredited with us. Here is why.