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Real Estate verified Verified Outcome TRL 9

Security Deposit Alternatives (Insurance Wrapper)

domain Client: Multifamily Landlords handshake Provider: Rhino schedule Deploy: 2017-Present
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Replacement of cash security deposits with a low-cost surety bond (insurance policy), lowering move-in costs for tenants while maintaining coverage for landlords.

rate_review Analyst Verdict

"Fintech solving a real estate affordability crisis. $45B is locked up in security deposits in the US. unlocking this capital increases occupancy rates. The innovation is applying surety bond mechanics to residential leases."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

High upfront move-in costs (first month + security deposit) are a barrier for many renters, leading to lower conversion rates and longer vacancies for landlords. Managing cash deposits is also an administrative burden (escrow accounts, interest returns) for property managers.

psychology The Solution

Offered tenants the option to pay a small monthly fee (e.g., $10/mo) instead of a $2,000 cash deposit. This fee purchases a surety bond. If the tenant damages the unit, the insurer pays the landlord instantly up to the coverage limit, then seeks reimbursement from the tenant. The landlord gets the same protection without the admin headache.

settings_suggest Technical & Deployment Specs

Integrations
Property Mgmt Software (Yardi)
Deployment Model
B2B2C
Data Classification
Financial / Credit
Estimated TCO / ROI
Zero (Tenant pays)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Tenant Default Medium Underwriting tenant credit.
Regulations Medium State-specific insurance compliance.

trending_up Impact Trajectory

Audited value realization curve

30% increase in lead-to-lease conversion Verified Outcome
Primary KPIBillions in cash unlocked for renters
Audit CycleSimplified claims process for damages

policy Compliance & Gov

  • Standards: Insurance / Renter Laws
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial / Credit

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Multifamily Landlords without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-633
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-633

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