No U.S. credit?No SSN?No pay stubs?
Bank and SIM terms come with the source and the date. For listings: what the post says, what it leaves out, and the question to ask.
Save 3 WEEKS·10 TRIPS·$200+
Filter by what the landlord actually asks for.
Opens without an SSN.
Everything after it asks for one.
Open the debit card first.
Then the one that builds credit.
That's the list. For anything else we'll tell you who to ask.
SF, Aug 2026 · 1 call in 10 gets a reply (SF Standard).
One yardstick throughout: rent + every fee + commute time and fare = a single monthly number you can compare. Every conclusion carries its source and date, and nothing goes out until you approve it.
Plus $30–50 per person, per application. Carriers want a deposit too, with no credit file.
Tell the agent your situation. It checks the requirements, finds real options, and tells you what to do next.