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Guarantor products are one of the strongest levers for a renter with an eviction, if you use the right one
A guarantor or deposit-alternative product doesn’t erase your eviction. What it does is transfer some or all of the rental risk from the property to a third party that has agreed to underwrite it. For properties that would otherwise auto-deny an eviction, a guarantor-backed application often converts to approval.
But guarantor products vary widely in how they treat eviction cases. Some (OneApp Guarantee, Liberty Rent) specifically underwrite eviction risk. Others (Rhino, Jetty, Obligo) are deposit alternatives that offset cash requirements but don’t underwrite the eviction itself. Knowing which product actually helps your file, and which Texas properties accept it, makes the difference between an easy approval and another wasted application fee.
Below is our review of the major guarantor products for Texas eviction cases.
OneApp Guarantee
- What it does: pre-qualifies you as a covered applicant. The guarantor signs the lease alongside you.
- Eviction eligibility: strong, will consider recent evictions with income and rental history documentation.
- Cost: typically 5% to 12% of monthly rent as one-time fee; sometimes monthly premium.
- Texas partnership footprint: expanding rapidly. Many mid-market and Class-B Greystar, RPM Living, and Willow Bridge properties accept.
- Our verdict: the strongest single guarantor product for eviction cases in Texas. First recommendation for most eviction clients.
Liberty Rent
- What it does: specifically designed for eviction and credit challenges. Guarantor role on lease.
- Eviction eligibility: very strong, often approves cases OneApp declines.
- Cost: monthly premium typically 5% to 10% of rent; some one-time fee variants.
- Texas partnership footprint: growing; strong at mid-market Class-B properties.
- Our verdict: excellent for open-balance and multiple-eviction cases. If OneApp declined you, try Liberty Rent.
The Guarantors
- What it does: Class-A focused institutional guarantor. Higher income requirements.
- Eviction eligibility: moderate, needs 3+ year old evictions typically, plus strong income (5x rent).
- Cost: 5% to 10% of annual rent as one-time fee.
- Texas partnership footprint: Class-A luxury properties in DFW, Houston, Austin.
- Our verdict: useful for renters with older evictions and strong income seeking Class-A. Not for recent or unpaid cases.
Rent With CoSign
- What it does: co-signer alternative product.
- Eviction eligibility: variable; better with paid or dismissed filings.
- Cost: percentage of rent one-time or monthly.
- Texas partnership footprint: expanding but narrower than OneApp.
- Our verdict: solid backup option; check specific property partnerships.
Jetty
- What it does: primarily a deposit-alternative product (replaces cash deposit with monthly premium). Some guarantor coverage.
- Eviction eligibility: limited underwriting of eviction risk itself.
- Cost: monthly premium typically 5% to 15% of rent.
- Texas partnership footprint: broad, many Class-A and Class-B properties.
- Our verdict: useful for offsetting the double-deposit hit that comes with an eviction; won’t help if the property auto-denies the eviction itself.
Rhino
- What it does: deposit-alternative product. Replaces cash security deposit with monthly premium ($15 to $50 typical).
- Eviction eligibility: doesn’t underwrite eviction risk directly.
- Cost: $15 to $50/month typical for eviction/bad-credit applicants.
- Texas partnership footprint: very broad, accepted at most Class-A and Class-B properties.
- Our verdict: use in conjunction with an approving property to reduce upfront cash. Won’t unlock a property that auto-denies your eviction.
Obligo
- What it does: bank-linked deposit alternative. Requires clean bank balance history to qualify.
- Eviction eligibility: doesn’t underwrite eviction risk.
- Cost: subscription-based; low monthly fee.
- Texas partnership footprint: growing.
- Our verdict: nice-to-have supplement; won’t unlock eviction-denying properties.
Insurent
- What it does: institutional guarantor primarily in higher-rent markets.
- Eviction eligibility: strict, requires clean file with older evictions.
- Cost: 6% to 8% of annual rent.
- Texas partnership footprint: limited but growing in Austin and DFW Class-A.
- Our verdict: niche use case in Texas.
LeaseLock
- What it does: lease-integrated insurance product; primarily benefits the landlord.
- Eviction eligibility: property-level decision.
- Cost: passed to renter as small monthly fee.
- Texas partnership footprint: broad at Class-A.
- Our verdict: often already baked into the lease, not typically an independent choice.
Which guarantor is right for your file?
The right product depends on your specific eviction situation:
- Recent eviction, open balance: Liberty Rent → OneApp Guarantee
- Recent eviction, paid balance: OneApp Guarantee → Liberty Rent
- Multiple evictions: Liberty Rent (specifically designed for this)
- Older eviction, strong income, Class-A target: The Guarantors → OneApp Guarantee
- Dismissed eviction, deposit hit: OneApp Guarantee + Rhino (as deposit offset)
- Bad credit + eviction: Liberty Rent + Rhino for deposit
The trap to avoid
Some property listings advertise “Rhino accepted” or “Jetty compatible” and lead renters to think that means their eviction will be approved. It doesn’t. Deposit-alternative products don’t underwrite eviction risk, they just reduce upfront cash. The property still runs the eviction screening independently. Verify eviction acceptance separately.
How we work guarantor cases
Our process:
- Review your file to determine which guarantor product realistically underwrites your case
- Identify Texas properties in your target city that partner with that guarantor
- Help you start the guarantor pre-qualification in parallel with property applications
- Package the application to lead with the guarantor coverage
- Coach the letter of explanation
Fill out the form above. We’ll walk your file and recommend the right guarantor path.