Cosign provides a co‑signing service that helps renters qualify for apartments and gives landlords a reliable way to approve more applicants. The platform verifies tenants at no cost to property managers and includes a 100% rent‑default guarantee, allowing landlords to increase occupancy while reducing risk.
Funding
Funding not disclosed
Founders
Product
Problem
Many renters are unable to qualify for apartments because they lack sufficient credit history, steady income, or a U.S. co‑signer, while landlords face prolonged vacancies and the risk of rent defaults when they try to accommodate such applicants.
Solution
Cosign acts as a digital co‑signer that backs renters who do not meet traditional leasing criteria. The platform verifies applicant information, issues a lease guarantee, and provides a 100 % default guarantee to landlords, eliminating financial risk. For renters, Cosign offers a quick, online application that can be completed on any device, with same‑day approvals in most cases. Landlords can add Cosign to their leasing workflow at no cost, gaining access to a larger pool of qualified tenants and faster lease closures. The guarantee covers rent for up to 12 months, allowing landlords to fill units without requiring additional security deposits or higher rents. Cosign’s 24/7 support assists both parties throughout the application and leasing process.
Target Audience
Primary customers are renters who lack sufficient credit, income, or a U.S. co‑signer, and property managers or landlords seeking to increase occupancy and reduce leasing risk.
Features
- Online portal for renters to submit a one‑minute application with soft credit check
- Instant lease guarantee that covers up to 12 × monthly rent, protecting landlords from default
- No‑cost integration for property managers; Cosign handles underwriting and tenant approval
- 24/7 customer support for both renters and landlords
- Nationwide coverage across all 50 states and all residential asset classes (multifamily, single‑family, manufactured, student housing)
- One‑time fee paid by renters; landlords incur no additional cost or risk