I do understand the need for it but how does someone expect the average person/family to have enough money to cover the first and last month's rent along with the deposit?!?!?! Don't get me wrong we're not poor but we're not rich either. It's like I have the choice of being homeless and having money in my savings or having a place to stay but no emergency fund. And above all that, try finding landlords that would allow chickens lol. I wish we could get a loan and just buy a ranch already.