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FAQs
We help property managers boost occupancy while expanding housing options for renters.
Most properties accept Cosign, but not all (yet!). If the apartment community where you want to rent does not yet offer Cosign, we can help onboard them or match you with a participating community!
No. Cosign only uses a soft credit check, which does not impact your credit score in any way.
You remain liable for lease obligations. Non-payment can lead to legal action, eviction, and damage to your credit.
Cosign is not renters insurance. Renters insurance protects your possessions; we help you qualify for an apartment by securing your rent for the benefit of your landlord!
Cosign's fee is completely separate from any security deposit your landlord may require. Its a one-time fee you pay to Cosign for providing a lease guarantee. However, if your lease falls through before move-in and you haven't used Cosign's coverage, we review refund requests on a case-by-case basis. Just reach out to our team!
Provide us with the building or landlord details, and we will work to add this property to Cosign! Alternatively, we can help find a partnered property.
Payment can be made via credit/debit card using Cosign's online portal!
There are no documents required from you to apply - all we require is your personal information!
Yes! We accept applications from non citizens with an ITN (individual tax payer identification). This can be obtained at https://www.usa.gov/itin
You can add your co-applicants in our Cosign portal.
1. You submit your information online.
2. Hear back from Cosign within a few hours.
3. Once approved, you sign Cosign's agreement and pay Cosign's one-time fee.
4. Cosign provides documents to your landlord, allowing you to sign your lease and move-in!
Cosign covers lease terms as short as 3 months and as long as 24 months!
Not every property management company accepts Cosign (yet!) - but many do, and new properties join daily. If a community does not work with Cosign, we can reach out to the community to onboard them or help you locate an already participating property.
No. You are responsible for fulfilling all financial obligations under the lease agreement. Cosign guarantees the lease but does not cover rent payments.
Landlords establish strict standards for qualification, posing challenges for a majority of Americans. Cosign aids prospective residents unable to meet traditional income or credit requirements. The most common applicants using Cosign include non-US citizens with no established American credit, students lacking sufficient income, professionals with limited credit profiles, and self-employed individuals.
You always hear back the same day your application is complete, and generally applications are processed in less than a few hours!
The fee for each applicant is different based on their unique credit background! There is no cost to be screened by Cosign, and Cosign only pulls a soft credit check so it's risk free for you as an applicant!
Your application undergoes a credit check with a soft pull, and you'll typically know if you qualify for Cosign within a few hours!
Similar to a familial guarantor, Cosign acts as a safeguard legally responsible for fulfilling rent obligations in case of default. It validates your lease in lieu of a traditional guarantor, and helps you secure the apartment or home where you want to live!
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Cosign limits financial risk for landlords by covering losses up to our maximum coverage amounts, but Cosign only pays claims once a unit has been vacated after a renter default event.
Claims are processed and paid within 5 business days.
Cosign does not require any changes to the existing leasing process. Cosign focuses on converting applicants who would not otherwise qualify to rent apartments, so we are purely additive and will not require any changes for approved rental applicants!
Follow normal onsite procedures! Once the unit has been repossessed and is vacant, file the claim within 60 days for reimbursement from Cosign up to the property's stated coverage amount!
Cosign is customizable, so it's entirely up to the landlord whether an additional deposit is collected.
Cosign eliminates the hassle of chasing down distant familial guarantors. Cosign reduces vacancy, expands your property's rental pool, guarantees rental income, and converts more applicants to residents!
Approved decisions are generally less than 1 hour after applicants submit their info, and applicants will always know if they are approved the same day their info is submitted.
Cosign covers a specific lease term, so at renewal residents can reapply to Cosign for the renewal term. Cosign's fee is discounted for any renewal terms!
Book a demo on our website or contact us at info@rentwithcosign.com
Cosign covers lost rent due to a lease default up to specific coverage amount.
Applicants include non-US citizens without U.S. credit history, students without income, young professionals with limited credit, self-employed individuals, and many others!
Landlords and property managers never pay a fee. Any fees paid to Cosign are paid by the applicant!
Cosign is a guarantor alternative for renters who need a qualified guarantor to secure housing. It helps renters who don't meet standard credit and/or income requirements, while also benefiting property owners by improving lease conversion rates and reducing default risks, ultimately increasing Net Operating Income (NOI). If a renter defaults, Cosign reimburses owners for lost rent.
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