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What is the difference between a tenant and a co-signer?

According to Nolo, a cosigner is a person designated to make the rental payments if the tenant does not pay. They sign their name to the lease agreement and are held fully responsible for rent if the tenant stops paying rent.

Why would a landlord not want a cosigner?

The Cons of Accepting a Lease Cosigner No Guarantees \u2013 Although a cosigner accounts for the financial end of the agreement, they cannot guarantee tenant behavior. So, landlords may find themselves dealing with excessive noise, damage, or other questionable behavior.

How does a co-signer work for an apartment?

When you cosign on a lease, you're making a legal promise to uphold the terms of the lease and to pay rent if the lessee does not. As a cosigner, your credit could be affected whether or not the person you're cosigning with pays their rent. This uncertainty makes cosigning for an apartment risky.

Should a cosigner be listed as a tenant?

The cosigner agreement should designate the tenant as the cosigner's \u201cagent for service of process\u201d and also state that the cosigner or guarantor is not entitled to service of any notices that might be served on the tenant or have any other rights of a tenant.