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Helped 25K+ Young Adults Lease Their First Apartment

Lease Your First Apartment Seamlessly

Step into Independence with Divadd MYFIRST FINANCE

No credit? We've got you! Discover affordable rentals, guarantor-friendly options, and tips for beginners moving out on their own.

Guarantor-Friendly

No credit? No problem! Find apartments that accept co-signers and guarantors

Affordable Options

Studios and 1-bedrooms starting from $700-1,200/month in key areas

Independence & Freedom

Your own space to customize, host friends, and live life on your terms

Your Apartment Hunting Timeline

Week 1
Budget & area research
Week 2
Tours & applications
Week 3
Approval & lease signing
Week 4
Move in & get settled!
$800-1,200
Average first apartment rent
60%
Gen Z chooses studios/1BR
30%
Income rule for rent budget
Section: Why Lease Your First Apartment | Learn about rental independence benefits
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Independence & Freedom Benefits for Young Adults

Why Lease Your First Apartment?

Experience freedom, build rental history for future credit, customize your space on a budget. Here's why leasing your first apartment is the ultimate step toward adulting and independence.

Ultimate Independence & Privacy

Your own space means your own rules. No more asking permission, sharing bathrooms, or following parents' schedules. Host friends, decorate your way, and live life on your terms.

100%
Your Own Space
24/7
Freedom & Privacy

Build Rental History & Credit

Paying rent on time builds your rental history, making it easier to get future apartments and even helps your credit score with some reporting services.

Credit Building
Rental History
References
Future Approvals

Flexibility & Customization

Short-term flexibility perfect for students and early workers. Decorate, paint (with permission), and make it yours without the long-term commitment of homeownership.

  • 12-month lease terms (some shorter available)
  • Decorate and personalize your space
  • Move easily for job or school changes

First Apartment Rental Market

Major Cities
NYC, SF, LA, Chicago
$1,200+
Studio/month
Mid-Size Cities
Austin, Denver, Atlanta
$800-1,000
Studio/month
College Towns
Near universities
$600-900
Studio/month
Suburban Areas
Commuter-friendly
$700-1,100
1BR/month

30% Rule Budget Guidelines

$2,000
Monthly income
= $600 max rent
$3,000
Monthly income
= $900 max rent

First Apartment Lifestyle Benefits

Social Freedom

Host friends, throw parties, have overnight guests without asking permission or tip-toeing around family.

Cook Your Way

Your kitchen, your rules. Experiment with recipes, eat when you want, and build essential life skills.

Amenities Access

Many apartments include gyms, pools, laundry facilities, and parking without homeownership costs.

Prime Locations

Live close to work, school, nightlife, and public transport without the massive down payment.

"But I'm Worried About..." (Common Rental Concerns Solved)

Concern: "I have no credit or rental history"

Solution: Many landlords accept guarantors, co-signers, or higher security deposits. First-time renter programs exist specifically for beginners.

Concern: "Rent seems expensive"

Reality: Follow the 30% rule - if you make $2,500/month, you can afford $750 rent. Consider roommates to split costs initially.

Concern: "What if something breaks?"

Advantage: Unlike homeownership, major repairs are the landlord's responsibility. Just call maintenance - no huge unexpected expenses!

Concern: "What if I don't like it?"

Flexibility: Most leases are 12 months. Unlike buying a house, you can easily move to a better place when your lease ends.

Living Situation Comparison

$0-300
Living at Home
• No privacy • Rules to follow • Limited independence
$400-700
Shared Apartment
• Some privacy • Split bills • Compromise on space
$700-1,200
Your Own Place
• Total privacy • Your rules • Complete independence

Ready to Experience True Independence?

Our quiz matches you with apartments that fit your budget, lifestyle, and credit situation - including guarantor-friendly options.

Find Your Perfect First Apartment