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Co-Signer & Guarantor Calculator
A co-signer combines income with yours to meet the requirement together. A guarantor must qualify alone at a higher threshold. Enter the numbers and see which path works.
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Before taxes. If paid biweekly, multiply paycheck by 2.17.
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Leave blank if checking guarantor qualification only.
1 Co-Signer Path (Combined Income)
You and your co-signer's income added together must meet the community's requirement, usually 2.5x to 3x the monthly rent.
2 Guarantor Path (Their Income Alone)
A guarantor must qualify on their own at 5x the monthly rent, regardless of what you earn. Your income is not factored in.
3 Third Party Guarantor Service (OneApp Guarantee & Others)
No personal co-signer or guarantor available? Services like OneApp Guarantee, Liberty Rent, and TheGuarantors can co-sign your lease for a fee.