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Why we at Rentenna Support the Insurent Guarantor Program

January 17, 2012

We at Rentenna support the Insurent Guarantor Program because there is no other service like it in the New York City area and it is desperately needed. The strict criteria that landlords impose on renters such as making 40x their monthly rent is ludicrous and what they ask of your potential guarantor (usually a parent/sibling) is more paperwork than adopting a child. For a fee less than a broker, they will act as your institutional guarantor. Owners win because they don't have any risk.  If you default, Insurent pays. You win because Insurent's criteria into their program is A LOT easier than a landlords and you can quickly get your dream apartment within 24 hours of applying.  To learn more about Insurent, read their latest press release below. To search through the 150,000 apartments that accept the Insurent Lease Guarantor Program,CLICK HERE! says Insurent Lease Guarantor Service Enables Foreign and Domestic Students to Rent in NYC

Last week The Real Deal questioned if "international guarantors are worth the risk" and said that foreign students have major difficulties in renting NYC apartments because their parents are not acceptable to landlords/owners as guarantors. The Real Deal also discussed how  Insurent Lease Guarantor service is helping landlords solve this problem.

"New York landlords are reluctant to accept guarantors from overseas, or even outside the Tri-State area of New York, New Jersey and Connecticut. Yet with the growing number of international students seeking apartments in the city's cutthroat rental market, the high bar to international guarantors has increasingly become a problem for both students and the landlord...To most landlords, an international guarantor is no guarantor at all, experts said. Not only is it difficult to verify credit history, it's also an ordeal to go after an international guarantor in the event that a tenant skips out on rent..."

Indeed, most landlords apply the same logic to American guarantors who live outside the Tri-State Area..."If somebody did not pay their rent, it would be very difficult for the landlord to go ahead and collect that rent from somebody that's in the [U.S.] far away, or outside the country," said Gordon Golub, Citi Habitats' director of rentals...

International students do have other options, like turning to Insurent....Billed as the city's only institutional guarantor, Insurent will underwrite a lease for a foreign tenant with no U.S. credit history for 110 percent of a month's rent -- which brokers and landlords said is filling a niche." (

Given that there are approximately 44,000 foreign students attending school in NYC, many owners and foreign students have been using Insurent Lease Guaranty to solve this major problem quickly and easily for both parties. Some of the biggest landlords in NYC do not show apartments to foreign or domestic students until they are prequalified by Insurent so that they know they can accept the student(s) without any risk of loss.

Jeffrey Geller, Founder and Chief Operating Officer of Insurent,commented, "Besides being applicable to foreign students, Insurent is also used to eliminate the guarantor problem for countless others including foreign employed persons, US and foreign persons with significant cash liquid assets, US students, self-employed persons, retirees, and many others who have good credit but do not quite meet the owners' 40-50x income test. Moreover, owners are realizing that not only does Insurent take away all risk of loss regarding a renter, but, even more importantly, Insurent enables owners to significantly increase their cash flow while closing many more leases. It's a win-win for renters and owners."

The Insurent® Lease Guaranty Program was created to serve renters, landlords, condo/co-op owners, and brokers and relocation specialists by offering the first institutional guarantor of residential leases. Insurent Lease Guaranty has been featured in the New York Times, The Real Deal, The New York Real Estate Journal and Real Estate Weekly.

The Insurent® Lease Guaranty Program is underwritten and issued by Argonaut Insurance Company, a property and casualty insurance company rated A (Excellent) by A.M. Best. Instead of looking for an individual guarantor or co-signer, or having to pay a significantly larger security deposit or prepaid rent, a renter may utilize the Insurent® Lease Guaranty to satisfy the landlord's financial and credit requirements.

 Insurent Advertorial: While we have an advertising relationship with Insurent, I have also personally worked with their service for over four years and personally highly recommend their guarantor service.