Hell yeah the only thing non refundable is application fee & administration fee.
Most "little" landlords - the ones without mega/multi units - do not run a credit check. Have the security deposit and first and last months rent ready and you'll find a place.
The cosigner can be held responsible for the loan if the original signer does not repay. Thus, the creditor has another means of access to the money, similar to collateral, and thus the presence of a cosigner lowers the interest rate.
Yes, that is the main purpose of having a cosigner. The person is accepting equal resposibility for repayment of the debt if the primary borrower should default. Therefore a cosigner needs to the have acceptable financial status as required by the lender.
As the owner/landlord of one or more apartments, it is imperative that you have a properly drawn up apartment lease that specifies all of the terms that you wish a tenant to comply with while occupying your property. There is much more to an apartment lease than the amount of rent you will collect each month. As a property owner, you want to protect your property as best as possible. Yes, you can ask for a security deposit, but if you get a crazy tenant, they can cause much more damage than the security deposit will cover. One very important thing to specify is the number of people allowed to occupy your apartment. Having 10 people in a 2 bedroom apartment is a recipe for disaster.
Yes, it is possible to get evicted if you signed a lease that does not allow cats. You will be given the option to rehome your cat, find a new apartment, or get evicted. If you signed a lease that says it allows cats (and you've paid the deposit / pet rent if applicable), then you can't be evicted.
VERY possible. reporting repos is up to the LENDER(of course, they usually do). It was very much repoed from you sooo. Nothing you can do about the co-signor having or not having a repo on their credit.
Nope
YES
A CD refers to a Certificate of Deposit. It is a certificate given to you by a bank for depositing cash with them. They would pay you an interest for having the deposit with them.
Yes, having a cosigner on a loan or line of credit/ credit card can help your credit. It can help because, assuming they have good credit, you are more likely to get approved, which gives you a chance to build your credit. The danger is if the cosigner where to default on payments or abuse the account (such as using a credit card you both are signers on to rack up a lot of debt). So if you pick your cosigner carefully it can help you- but remember what you do on the account effects their credit, so make sure you are also responsible with the account.
Having a cosigner has nothing to do with your marital status. It's all about your credit. If you do need a cosigner for lets say a car loan, then it's better to have your spouse sign than ask a relative/friend to sign. Unless your spouses' credit is bad, then you have to look into a person who has good credit. Hope this helps!
Absolutely. The whole point to having a co-signer is the creditor wants assurance that the debt will be repaid.