Insurent® simplifies and eases the rental process for renters, brokers and landlords/property owners. See how we’ve become the industry leader over the past 8 years.
By acting as your lease guarantor, Insurent® takes the stress out of finding an ideal living situation. The Insurent Lease Guaranty eliminates the hassle of finding a suitable co-signer.
And best of all, you can get approved in 30 minutes at the lowest guaranty prices, and the Guaranty is normally issued within 24 hours.
The Insurent® Lease Guaranty may be used in any instance where a landlord will require the renter to have a co-signer or guarantor.
If non-US, a minimum annual income of 27.5x the monthly rent OR cash liquid assets/publicly held securities of a minimum of 50x the monthly rent, and no US credit history required.
If an international student, a Responsible Party (normally a father or mother overseas) who has a minimum annual income of 50x the monthly rent in their home country OR cash liquid assets/publicly held securities of a minimum of 80x the monthly rent in their home country or elsewhere.
If a US student or US person with income less than 27.5x the monthly rent, the renter must have decent to good credit and a Responsible Party (normally a father or mother) who has a minimum annual income of 50x the monthly rent OR cash liquid assets/publicly held securities of a minimum of 80x the monthly rent. The Responsible Party is just a signatory on our Agreement and have nothing to do with the lease.
Sole Applicants or Applications with 2-4 Renters: Yes, you can apply for the Insurent® Lease Guaranty with no application fee and be initially qualified and receive will an Insurent® Qualification Certificate normally within 30 minutes. You can then forward all your documents to be fully approved and you can show the Insurent® Qualification Certificate to brokers and landlords in any of the 3,500 Insurent participating buildings to expedite the lease approval process. There is no application fee. Once you find your apartment, Insurent will just need the building address, monthly rent and lease dates to email you an Agreement and payment instructions before issuing a lease guaranty to the landlord.
Once Insurent receives all applications that are required from signatories, each application goes through the evaluation and approval process. Insurent® requires separate applications from signatories because all signatories are bound to the rights and obligations under the lease.
A roommate who is not a signatory does not need to submit an application to Insurent.
We also qualify international students with Responsible Parties. A Responsible Party would be a person in your home country (normally a father, mother or relative) who meets either of the following tests: (i) has a minimum annual income of approximately 50x the monthly rent you are seeking or (ii) has cash liquid assets or marketable securities equal to a minimum of approximately 80x the monthly rent that you are seeking. In the event that you are an international student or fall below the minimum 27.5x the monthly rent, please email us at firstname.lastname@example.org so we can guide you through the application process.