Should I be worried about prepaying a full year’s rent? I’m an first-year PhD student in Wisconsin, and I’m trying to rent an apartment, but I don’t have a US credit score or a co-signer. Because of that, the landlord (CHT Apartments) is asking me to prepay a full year’s rent to secure the lease. I’ve checked that they own the building and they use AppFolio for payments, so it looks legit. But since …