Public information page
Follow the $24.
What Apartment 41’s records establish, what Beagle Insurance publicly says its programs do, and what Total Realty’s specific financial arrangement still does not disclose.
A message from the association
Why we document and stand together.
A brief message from the Mercy of God Tenant Association about organized, evidence-based tenant advocacy at 705 West 179th Street.
Select play to watch. The original spoken audio is preserved without added music.
Evidence status matters
What is documented.
First documented $24 “Tenant Protection Program” charge in the reviewed Apartment 41 ledger.
The same $24 line item continues monthly, for seven documented months total.
Management posts a $168 credit, equal to 7 × $24.
Apartment 41’s Lemonade renters-insurance policy begins.
Total Realty states that it partnered with Beagle to enforce insurance requirements and directs insured residents to submit a declarations page.
The vendor’s own public statements
What Beagle says its property-management programs do.
Beagle’s public website and a property-management software integration page describe a general business model. These statements help identify records to request, but they do not prove which Beagle product or payment arrangement—if any—Total Realty selected for 705 West 179th Street.
Insurance compliance
Beagle publicly describes verifying third-party renters-insurance policies, monitoring expirations and lapses, and enrolling uncovered residents into a program.
Lease and billing workflow
Beagle states that resident programs can be run through the lease, with an addendum at lease signing and a charge placed on the resident’s rent statement.
Property-manager revenue
Beagle markets resident programs as an additional revenue stream and states that “the manager gets paid.” A Rent Manager integration page advertises an estimated $15 or more per unit per month as coverage rates increase.
Markup claim is product-specific
Beagle states that a manager can keep 100% of the markup on its “Renter’s Kit.” That does not establish that Apartment 41’s $24 charge was a Renter’s Kit or that Total Realty retained 100% of any amount.
The precise Total Realty percentage remains unknown.
No reviewed Total Realty–Beagle contract, invoice, remittance report, or program schedule establishes what portion of Apartment 41’s $24—if any—was payable to Beagle, an insurer, Total Realty, the property owner, or another party. A specific percentage should not be stated as fact until those records are produced.
Gross billing illustration
What recurring charges can produce.
These figures are arithmetic illustrations only. They are not proof that every apartment was charged, that every charge was collected, or that Total Realty kept any particular amount.
Disclosure needed
Records that would answer the question.
Program authority and enrollment
- Total Realty–Beagle agreement, amendments, onboarding materials, and effective date.
- The lease clause, rider, addendum, disclosure, or other asserted authority for the $24.
- Each resident’s opt-in, opt-out, declination, enrollment, and insurance-verification record.
- The product name, carrier, master policy, coverage, limits, exclusions, deductible, beneficiary, and claims procedure.
Accounting and flow of funds
- AppFolio charge-code history and the person or entity that configured it.
- Unit-level charges, collections, credits, reversals, and refunds.
- Invoices and remittances to Beagle, an insurer, or any other vendor.
- Every commission, administrative fee, markup, revenue share, or profit participation retained by management, ownership, or an affiliate.
Resident document check
Look at your own records.
Search the ledger
Look for “Tenant Protection Program,” “insurance,” “Beagle,” or another recurring non-rent charge. Record every date, amount, credit, and reversal.
Find the authorization
Check the lease and every rider or addendum for the exact program name, price, enrollment terms, opt-out terms, and signatures.
Preserve the original
Download complete statements and emails. Keep uncropped screenshots and identify the source, sender, date, and apartment. Do not alter or recreate the record.
Sources and limitations
Check the source—not just the conclusion.
- Apartment 41 primary records: Total Realty/AppFolio statement dated August 26, 2026; management tenant ledger; June 30, 2026 credit entry; September 2026 management email acknowledgment; Apartment 41 Lemonade policy record.
- Beagle Insurance public website — general descriptions of resident programs, lease/addendum billing, compliance functions, revenue, and product categories.
- Rent Manager’s Beagle Insurance integration page — general descriptions of automatic enrollment, compliance monitoring, estimated property-manager revenue, and Renter’s Kit markup.
Limitation: Vendor marketing describes possible program structures. It is not a substitute for the actual Total Realty–Beagle contract, the applicable insurance documents, or Apartment 41’s lease records. This page will be corrected if primary records establish additional facts.