Under what circumstances would I need the Insurent® Lease Guaranty?
The Insurent® Lease Guaranty Program, where available, may help you when you do not meet the specific criteria required by landlords. Prospective renters who may fall into this category include graduating college students and professional school students entering the workforce; creditworthy employed non-U.S. residents; self-employed persons; relocating persons; non-employed U.S. and non U.S. persons with significant cash liquid assets, retired

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creditworthy individuals, U.S. students with Responsible Parties, and international students with Responsible Parties. The Insurent® Lease Guaranty typically may be used in any instance where a landlord would require the renter to have a third-party guaranty on a lease (e.g., a co-signer or guarantor). A lease guaranty may also be helpful when

a landlord requires additional security or prepayment of rent as an alternative to, or in addition to, a co-signer or guarantor.

The website states that the annual income or collective annual income must equal a minimum of 27.5x the monthly rent. Can the Insurent® Lease Guaranty Program still assist me if my income is less than 27.5x the monthly rent?
Yes. The Insurent Program can still assist you if you have a Responsible Party. A Responsible Party would be a person (normally a father, mother or relative) here or overseas (if you are relocating from outside the U.S.) who meets either of the following tests: (i) such person(s) has a minimum annual income of approximately 50x the monthly rent you are seeking or (ii) such person has cash liquid assets or marketable securities equal to a minimum of approximately 90x the monthly rent that you are seeking. In the event that you are relocating from outside the U.S., the Responsible Party would be in your home country and the tests above relate to their income or cash liquid assets in their home country. In the event that you fall in that circumstance, please email us at renter-app@insurent.com so we can guide you through the application process.

   
 

Can the Insurent Program help me if I just have significant cash liquid assets or marketable securities?
Yes. The Insurent Program issues guarantees for non employed U.S. and non U.S. persons with significant cash liquid assets or marketable securities (here or abroad). In such event, such liquid assets would need to be a minimum of 45x the monthly rent that you are seeking. In the event that you fall in that circumstance, please email us at renter-app@insurent.com so we can guide you through the application process.

   
 

Can the Insurent Program help me if I have terrible credit?
Unfortunately not. The renter(s) must have decent to good credit to be issued an Insurent Guaranty for their lease.

   
 

Can the Insurent Program help me if I have no U.S. based credit history?
Yes. The Insurent Program issues guarantees for non U.S. persons with no U.S. based credit history. The Insurent Program can also issue guarantees for U.S. persons with no U.S. based credit history.

   
 

What is the benefit of the Insurent® Lease Guaranty Program to me?
The Insurent Program, where available, will help you to

rent your chosen apartment without having to find a co-signer or guarantor acceptable to the landlord and will eliminate the need for significant additional security or prepaid rent to the landlord. Insurent® can speed the approval process and shorten the time needed to obtain an apartment.