Move-in calculator
What does move-in actually cost?
Drag the slider to your monthly rent. The calculator shows traditional costs vs. Threshold — and explains every line honestly.
Traditional move-in
With Threshold
* Last mo. rent (if landlord requires) not covered — pair with our 0% Rent Loan
Deposit savings assume a 1-month security deposit, which is the standard in most US markets. Actual landlord requirements vary.
How it works
Four steps to deposit-free living
Apply & qualify
Complete your RentGuardUS membership and Morpheus screening. Qualifying members unlock Threshold at no extra cost.
Choose your home
Browse Threshold-partnered listings or ask your landlord to register — we handle their onboarding.
Move in deposit-free
RentGuardUS backs the deposit guarantee directly with the landlord so you keep your cash.
Build & protect
Every on-time payment is reported to all 3 bureaus. Your credit grows while you live your life.
Why Threshold
Everything that comes with it
Zero deposit
Skip the security deposit entirely. Your landlord is still protected — we cover it.
Credit reporting
Every rent payment is reported to Experian, Equifax, and TransUnion automatically.
RGU Certified landlords
Landlords in the Threshold network are vetted, fair-housing compliant, and motivated partners.
Instant move-in
No waiting to scrape together a deposit. Apply, qualify, sign, move in.
Rent Lock eligible
Pair with RentGuardUS Rent Lock to freeze your rent for 12 or 24 months.
Goliath legal coverage
Standard and Premium members get legal defense included — disputes handled for you.
FAQ
Honest answers to real questions
Ready to move in without the wall?
Join RentGuardUS and unlock Threshold with a Standard or Premium membership.