LiabilityScore™

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Plain-English guides on contracts, lease clauses, and how to protect yourself before you sign.

March 3, 2026·7 min read

What Happens If You Hold Over (And Why It's Almost Always 150–200%)

The day after your lease expires, holdover rent kicks in automatically — no warning, no grace period. Here's what you've agreed to, what courts have upheld, and how to negotiate your way out of it before you sign.

March 6, 2026·7 min

5 Lease Clauses That Looked Fine Until Move-Out

The clauses that seemed harmless at move-in sit quietly in your lease for a year or two, then surface at move-out as itemized deductions from a security deposit you were counting on getting back.

March 10, 2026·7 min

The Personal Guaranty Explained Like You're About to Sign One

You set up an LLC to protect your personal assets. Then your landlord handed you a personal guaranty — and if you signed it without reading it, you just voluntarily undid every protection that LLC was designed to give you.

March 13, 2026·7 min

Your Landlord's Lease vs. a Fair One: What's Actually Different

Every commercial lease starts from the landlord's template, written to protect exactly one party. Here's a clause-by-clause comparison of what landlords put in front of you — and what a balanced lease actually looks like.

March 17, 2026·7 min

NNN Leases: The Three Nets and What Each One Actually Costs

The listing says $22/SF. The real number — once property taxes, insurance, and CAM are added — is closer to $30/SF. Here's what each net actually costs and what to negotiate before you sign.

March 20, 2026·4 min

What Is a Holdover Clause and What Does It Mean for Your Rent?

A holdover clause sets the rent you owe if you stay past your lease expiration. It activates automatically, no notice required — and the rate is almost always 150–200% of what you're currently paying.

March 24, 2026·7 min

Why Your Commercial Lease Has a Co-Tenancy Clause (And Why It Matters)

You signed a lease because the anchor tenant drove traffic to your door. Then the anchor closed. If your lease has a co-tenancy clause, you have options. If it doesn't, you're paying full rent in a center that now draws a fraction of the foot traffic it did when you signed.

March 27, 2026·7 min

How LiabilityScore™ Scores a Contract

A lot of AI tools will read your contract and tell you it looks concerning. LiabilityScore™ gives you a number. Here's exactly how that number gets calculated — and what it means.

March 31, 2026·7 min

The 7 Clauses We Flag Most Often

After scanning thousands of contracts, the same provisions show up in lease after lease — written in ways that favor landlords so consistently it's clearly not accidental. Here are the seven clauses that trigger the most flags.

April 3, 2026·7 min

Before You Sign: A Pre-Signature Checklist for Small Business Owners

Most small business owners sign commercial leases the same way they sign terms of service — quickly, under pressure. The lease is the binding document. Here's what to check in the 48 hours before you sign.

April 5, 2026·4 min

What Does "Personal Guaranty" Mean in a Lease?

A personal guaranty bypasses the liability protection your LLC was designed to provide. Here's exactly what you're agreeing to when you sign one — and what to ask for instead.

April 9, 2026·4 min

NNN Lease vs. Gross Lease: What's the Actual Difference?

The difference comes down to one question: who pays the operating expenses? Here's how the two structures compare in plain English — and how to figure out which one actually costs more.

April 11, 2026·4 min

What Is an Estoppel Certificate and Do You Have to Sign It?

Your landlord is selling the building and just sent you an estoppel certificate to sign. Here's what it is, what you're confirming, and what to check before you sign anything.

April 13, 2026·4 min

Can a Landlord Change Your Lease After You Sign It?

Generally, no — a signed lease is a binding contract. But several things can change that most tenants don't realize they already agreed to. Here's what's locked in and what isn't.

April 15, 2026·4 min

What Happens If You Stay Past Your Lease End Date?

If you stay in a rental property after your lease expires without a new agreement, you become a holdover tenant. Here's what that means financially, what your landlord can do, and how to avoid the situation entirely.