Any Questions?

Simply put, we bring together renters with less than perfect credit and landlords with unfilled units. We 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. Our job is to see that landlords collect their rent in full in a timely manner in cases of eviction or abandonment. 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 at our pre-screening page and upload a copy of your ID and 2 most recent paycheck stubs. If self-employed, we will need 12 months of continuous business bank statements.
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. When you find your new place, notify us of the address, unit number and most importantly the landlord’s name and email address. If possible, sending us a prospective lease to verify details is always best so that we can more efficiently 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.

• 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 can be very easily manipulated, income is 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 variables that need to be considered. Every applicant is unique, and we treat them as such. Just as a rule of thumb, 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 several factors that we need to examine individually, but it is a good marker. 

All leases must be for a term of 12 months.

Great news! You are not restricted to any set of pre-determined 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 lease under the terms of the 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 required documents. If time is a factor, we can go from pre-screening to contract & lease signing in an hour or two.

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

No. This is a referral business. 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 would detract 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. Any question you may have is already addressed here. For the sake of efficiency and to better service our clients, we have transitioned to E-communication and AI interface exclusively. This is done for speed, practicality and digital transparency. Any question that a landlord, agent, broker, or renter may have is already addressed on our site. 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 read this page and our Process page, and you will find every answer you are looking for.

Absolutely not! The BBB is not accredited with Nationwide Financial. The BBB would love to have you believe that they are your friend or advocate, but this is simply not true. They are a private, for-profit company from whom businesses can BUY an “A” rating to raise their social profile. If a company can buy an “A” rating, what is it really worth? They solely rely on name recognition and the ignorance of the general public. The BBB is not accredited with us. Here is why.