How Guarantor Products Help Renters With Evictions
Our team has placed renters with evictions into guarantor backed leases across Texas for over 3 years. A guarantor won’t erase your eviction. But it can move some or all of the risk off the property and onto a company that agrees to cover it.
Here's a pattern we see often in Houston, Dallas, Fort Worth, Arlington, Austin, and San Antonio. The property's screener (SafeRent or another automated system) denies you for the eviction. Add an approved guarantor to the same application, and it often turns into an approval.
These products treat eviction cases very differently. Some, like OneApp and Liberty Rent, are second chance approval programs that take on risk a property won’t. Others, like Greenlight Deposit (from Greenlight Rent, formerly Rhino), Jetty, and Obligo, are deposit alternatives. They cut down the cash you need up front, but they don’t cover the eviction itself.
So the pick matters. The right product at a property that takes it can help get you approved. The wrong one costs you another application fee.
We rate each one on three things: how often it has approved our eviction clients, what it costs, and how many Texas properties we see taking it. Our ratings come from placements we've made at Greystar, RPM Living, Willow Bridge, Camden, and Asset Living communities. These are our opinions, and your results can differ.
OneApp (Approval Assist)
- What it does: a second chance approval program. A participating community that denied you or approved you with conditions can refer you to OneApp. If OneApp approves you, it backs your lease like a cosigner. If you stop paying, OneApp covers the property’s loss up to a limit. It tells properties it covers up to 3 times the base rent.
- How it handles evictions: strong. From what we've seen, it will look at recent evictions if you can show paperwork for your income and rental history.
- Cost: free to apply. If you’re approved, you pay one flat fee. For a standard lease of about a year, it’s one month’s base rent. Longer leases, up to 24 months, cost a higher fee that goes up with the lease length. If the property allows it, you can pay half up front and the rest over 5 months. OneApp adds a 20% fee for that plan. When you renew, OneApp says you pay half the fee again.
- Where it's accepted in Texas: OneApp doesn’t publish a Texas partner list. We see many mid market and Class B Greystar, RPM Living, and Willow Bridge properties take part.
- Our verdict: in our placements, the strongest single guarantor product for eviction cases in Texas. It's often our first pick, especially when the balance is paid.
Liberty Rent
- What it does: Second Chance Lease Approval, a program for renters that a partner property denied or approved with conditions. It's not a traditional guarantor, and you can apply only if that property invites you. Liberty Rent covers the property for up to 6 months of lost rent in qualifying cases. On the property side, it’s called Approval Boost.
- How it handles evictions: very strong in our placements. We've watched it approve cases OneApp declined. Liberty Rent itself doesn’t promise approval with an eviction.
- Cost: a $35 application fee (Liberty Rent refunds it if you’re not approved), then a one time access fee if you’re approved. For most renters that fee is one month’s rent. At properties that use Liberty Rent’s PrecisePrice, it runs 50% to 125% of one month’s rent.
- Where it's accepted in Texas: we see it most at mid market Class B properties.
- Our verdict: our first pick for open balance and multiple eviction cases. If OneApp declined you, try Liberty Rent.
TheGuarantors
- What it does: a lease guarantee (insurance) with optional deposit coverage, mostly seen at Class A. If it pays a claim, you owe TheGuarantors that money.
- How it handles evictions: moderate. In our placements, it usually wants the eviction to be 3+ years old, plus strong income.
- Cost: TheGuarantors quotes each renter a one time fee that you don’t get back. Its help center says a one year lease usually costs from about 40% to a little over one month’s rent, depending on your rent, the coverage the property requires, and your financial profile.
- Where it's accepted in Texas: we mostly see it at Class A luxury properties in DFW, Houston, and Austin.
- Our verdict: useful if your eviction is older, your income is strong, and you want Class A. It's not for recent or unpaid cases.
Rent With CoSign
- What it does: a lease guarantee that works like a cosigner. If you miss rent, it covers the owner’s loss. Read its terms to see what you’d owe it back.
- How it handles evictions: it varies, but from what we've seen it does better with paid or dismissed filings.
- Cost: ask CoSign for your quote before you pay.
- Where it's accepted in Texas: we see it at fewer properties than OneApp.
- Our verdict: a solid backup at the properties that take it.
Jetty
- What it does: a deposit alternative. Jetty Deposit replaces the cash deposit with a monthly or one time payment. Jetty sells renters insurance and a credit building product too, but it doesn’t list a lease guarantee. Rhino and Jetty merged in 2025. In 2026 Rhino renamed itself Greenlight Rent, and its deposit alternative is now called Greenlight Deposit. Jetty’s products still use the Jetty name.
- How it handles evictions: doesn't do much to cover the eviction risk itself.
- Cost: Jetty sets the price from the coverage amount and your credit score. Its site lists a starting price, not what you’ll actually pay.
- Where it's accepted in Texas: we see it at many Class A and Class B properties.
- Our verdict: useful for softening the bigger deposit that often comes with an eviction. It won’t help if the property denies you automatically for the eviction.
Rhino (now Greenlight Rent)
- What it does: Greenlight Deposit (the old Rhino deposit alternative) replaces the cash security deposit with a monthly or one time payment. Greenlight Rent lists a renter guarantee too, for renters who need a guarantor or didn’t quite clear a property’s screening.
- How it handles evictions: Greenlight Deposit doesn’t cover the eviction risk itself. Greenlight doesn’t say whether its renter guarantee takes evictions.
- Cost: not published. Renters we place with an eviction or bad credit often pay around $15 to $50 a month.
- Where it's accepted in Texas: most Class A and Class B properties we work with take it.
- Our verdict: use it at a property that already approves you, to cut your upfront cash. It won’t get you into a property that denies you automatically for the eviction.
Obligo
- What it does: deposit options (no deposit, a reduced deposit, installments, or the full deposit) after you link a bank account or card.
- How it handles evictions: doesn’t take on eviction risk.
- Cost: a fee you don’t get back. It’s a percentage of your deposit, priced to your profile. Obligo doesn’t publish a set price.
- Where it's accepted in Texas: we see it at some Texas properties.
- Our verdict: a nice extra to have, but it won’t get you into a property that denies evictions.
Insurent
- What it does: a large guarantor company, best known in New York and working in several other states.
- How it handles evictions: Insurent doesn’t post eviction rules, but it says renters need decent to good credit.
- Cost: Insurent says its fee averages about 70% to 90% of one month’s rent for a one year lease (for U.S. renters).
- Where it's accepted in Texas: Insurent doesn’t list Texas among the states it covers.
- Our verdict: not an option in Texas right now.
LeaseLock
- What it does: insurance built into the lease that mostly helps the landlord.
- How it handles evictions: it's up to each property.
- Cost: properties that offer it often charge renters a monthly program fee. The amount varies by property.
- Where it's accepted in Texas: properties that sign up for it, often advertised as “zero deposit.”
- Our verdict: often already baked into the lease, so it's usually not something you pick.
Which Guarantor Fits Your Eviction Situation?
Here's where we start for each situation (first choice → backup):
- Recent eviction, open balance: Liberty Rent → OneApp
- Recent eviction, paid balance: OneApp → Liberty Rent
- Multiple evictions: Liberty Rent (our first pick here)
- Older eviction, strong income, aiming for Class A: TheGuarantors → OneApp
- Dismissed eviction, deposit hit: OneApp + Greenlight Deposit
- Bad credit + eviction: Liberty Rent + Greenlight Deposit
Deposit Alternatives vs. Eviction Guarantors in Texas
Some Class A and Class B listings across Texas advertise “Rhino accepted” or “Jetty compatible.” Does that mean the property will approve your eviction? Not on its own. Deposit alternatives don’t cover eviction risk. They only cut the cash you bring on move in day.
The property still screens your eviction through SafeRent, RentGrow, or TransUnion SmartMove. Before you pay any application fee, we send you a short list of properties that may accept your eviction.
How We Place You With a Guarantor
| Factor | Searching on Your Own | Working With Our Team |
|---|---|---|
| Eviction policy info | Outdated online lists | What properties have told us lately about evictions |
| Which properties take which guarantor | Trial and error, one application at a time | We keep notes on which properties take which guarantors |
| Wasted application fees | $50 to $85 per adult on each rejected application | Fewer. We send you only to properties whose rules look like a fit for your file |
| Cost to you | Free (but wasted app fees add up) | 100% free, the property pays us |
| Response time | Days of research | Usually a text back from us on a weekday |
When a guarantor is part of the plan, our licensed agents:
- Go through your file and pick the guarantor product most likely to take on your case
- Find properties in Houston, Dallas, Fort Worth, Arlington, Austin, or San Antonio that we've seen take that guarantor
- Help you time the guarantor application with your property applications (OneApp works by referral from the property)
- Help you send your paperwork and guarantor coverage up front
- Help you write your letter of explanation
Fill out the form above, and we usually get in touch during weekday business hours. Your list of properties matched to your guarantor can take 24 to 48 hours. You won't pay us anything. The property does.
