(I live in Japan, anecdata, etc.) FWIW, my landlord switched from requiring a guarantor to going through an insurance that acts as one. So that moves the risk

(I live in Japan, anecdata, etc.) FWIW, my landlord switched from requiring a guarantor to going through an insurance that acts as one. So that moves the risk assessment to the insurance company, which may or may not have less bias. I hear this kind of setup is getting more common. Anyways, having been on the recipient end of "landlords deny foreigner", I can attest that it's overwhelmingly economics driven, and not racism.