If you're wondering how to rent an apartment in NYC, the process typically begins with selecting a unit and providing your contact information to initiate paperwork.

• Select your desired apartment and provide your email and full name (for lease documents)

• Sign the brokerage agreement (if applicable)

• Review and sign the required NYS disclosure forms:

  • Disclosure Form for Landlord and Tenant

  • Housing Discrimination Disclosure Form

As part of the NYC rental process, many buildings require a holding deposit to temporarily take the unit off the market while your application is under review.

• Some buildings require a one-month deposit to hold the unit during the application process

For international students renting in NYC, application documents differ slightly and often require visa-related paperwork and proof of funds.

• Complete the rental application and submit all supporting documents (missing items can be submitted later)

• For local tenants:

  • Government-issued ID, tax returns, proof of income

  • Income should generally be at least 40x the monthly rent

• For international students:

  • Passport, Visa, I-20, offer letter, and proof of sufficient funds (bank statements)

If you’re trying to rent an apartment without U.S. credit or local income, many buildings now accept guarantor services or international-friendly options.

• Whether a guarantor insurance is required depends on your financials and the building’s policies

• Guarantor sponsor typically costs 60%–90% of one month’s rent, depending on credit score and building requirements

• If you do not meet U.S. income standards (35–40x monthly rent) or do not have a qualified guarantor (typically 60–80x rent), guarantor insurance is usually required

• Some buildings that cater to international students waive the guarantor/insurance requirement

Once approved, the lease signing process in NYC is often digital and time-sensitive.

• Once approved, the landlord or building will send the lease via email

• Sign the lease electronically, typically within 24–48 hours

Understanding payment structure is key—especially NYC broker fees, which can range from 1 month’s rent to 12–15% of the annual rent depending on listing type.

• Upon signing, tenants are required to pay:

  • Security deposit

  • First month’s rent

  • Brokerage fee (if applicable)
    
    

• If you’ve already paid the deposit during the application, you won’t be charged again

• Some buildings that accept the Guarantor insurance may offer no-security-deposit move-in options

Most luxury buildings require rental insurance in NYC to protect your personal belongings and meet building policy requirements.

• Typical cost: $10–$30/month, depending on coverage and building policy

Moving into your NYC apartment often involves building coordination, elevator reservations, and COI documentation for movers.

• Coordinate move-in with the building in advance; elevator reservations may be required

• Some buildings require a Certificate of Insurance (COI) for moving companies

• On move-in day, collect your keys at the front desk or super– bring your ID and signed lease

• It’s recommended to take photos/videos of the apartment’s condition (walls, appliances, etc.) for your own records

The NYC rental process doesn't end at move-in—move-out procedures, advance notice, and deposit return policies are equally important.

• Notify your landlord/building 30–60 days in advance (as required in your lease)

• Ensure the unit is cleaned and any damages are repaired to avoid deposit deductions

• Schedule a final walkthrough and return all keys and access cards

• Security deposits are typically refunded within 15–30 days after move-out, with an itemized list if any amount is withheld

If you're unclear about how broker fees or security deposits work in NYC rentals, here's a quick breakdown of common policies and variations.

• Security Deposit Payment: Can be wired to our company account and submitted to the building via certified business check. If the building provides a direct payment portal, tenants may pay online.

• Brokerage Fee: If the landlord does not cover the fee, the tenant is responsible.

  • Standard brokerage fee = 1 month’s rent

  • In some premium listings, the fee may be as high as 12%–15% of the annual rent, due to more complex applications, lack of guarantor options, and higher service involvement.

“Rent fast, rent smart, rent securely.”

Looking to rent in NYC without U.S. credit or income?  

Wondering how international students rent apartments in New York?

Victoria specializes in the NYC rental process for newcomers, students, and overseas professionals. Whether you need help navigating guarantor options, understanding broker fees, or moving in with confidence, Victoria provides:

✔️ Fast lease approval—even without SSN or credit  

✔️ Insider access to listings that accept international tenants  

✔️ End-to-end support with NYC real estate paperwork, landlord rules, and move-in coordination  

🔗 Learn more at www.victoriany.us | Your trusted NYC rental guide