Cosign's Columbus and San Jose launch announcements show the lease guarantor using the same underwriting pitch in very different rental markets: Columbus amid record 10.2% vacancy, slowing 0.8% rent growth and heavy concessions after a construction wave, and San Jose amid roughly 7% annual rent growth to about $3,432 and an income hurdle near $124,000. Ardent Communities in Columbus and Vasona Management in San Jose said they adopted the service to approve more renters who narrowly miss screening standards or lack a cosigner while keeping financial protections. Cosign said it evaluates payment behavior and recency rather than credit scores alone and is active in more than 500,000 units across 3,000+ communities nationwide, including thousands of units in the San Jose MSA and more than 30,000 units across California.