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After an exhausting search, you've found the apartment you want. However, your income or lack of U.S. based credit history does not meet the landlord's requirements. Here's what you can do to solve that problem.

Landlords' requirements in the New York City metropolitan are very difficult for many renters to meet. Landlords typically require that an applicant's annual income be 40 to 50 times the monthly rent, and that the applicant has good credit. For applicants whose annual income or lack of U.S. based credit history does not meet these financial tests, the Insurent® Lease Guaranty can offer an easy solution.

The Insurent® Program is simple. Assuming you pass the Insurent® Lease Guaranty qualification process, your landlord will receive a guaranty on your one year lease. For a fee that represents a small percentage of your total annual rent, you can satisfy the landlord's financial and credit requirements while eliminating the hassle of finding an acceptable co-signer or guarantor. See Tenant Participation Agreement for details.