Check a guarantor’s income without chasing documents across state lines

Guarantor requirements are usually stricter than tenant requirements. In high-cost markets such as New York City, landlords commonly look for a guarantor who earns around 80 times the monthly rent per year, compared with around 40 times for the tenant. Other markets use different multiples, so the property’s written criteria always control.

Meeting that bar is one problem. Documenting it is another. A retired parent has no pay stub. A self-employed relative has last year’s tax return and a stack of invoices. An out-of-state guarantor emails PDFs that are hard to authenticate. Each guarantor arrives with a different packet, and the leasing file ends up inconsistent.

A bank-deposit report gives every guarantor the same format. The guarantor authorizes a read-only connection, and the report summarizes the income and deposit activity that appears in the accounts they chose to share.

If a leasing office has asked you to guarantee or co-sign a lease, you can generate the report on your own bank and send it yourself. It is often faster than requesting an employer letter or pulling together tax returns, and it works whether your income comes from a salary, a pension, a business, or several sources at once.

The connection is read-only and does not involve a credit pull. Your bank credentials are never shared with the landlord or with Income Checker.

The report answers a narrow question: what income and deposit activity appears in the accounts the guarantor authorized? It does not decide whether a guarantor meets your criteria, replace a credit check the guarantor has authorized, or account for obligations outside the connected accounts.

Apply the same guarantor criteria to every applicant, follow any fair housing and source-of-income rules in your area, and keep the report alongside the rest of the application. Income Checker is not a consumer reporting agency, and its reports are not consumer reports.