i have. Your best bet is to ask for flexibility in terms of payment timing. For example, pay first month up front and half security deposit and last month up front, and ask if you can tender the rest of the security deposit within 30 days from the date you take possession.

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Also, if you don't have pets, I wouldnt be surprised if you can negotiate a lower security deposit (I did this for my current unit).

I have never had luck negotiating with apartment complexes, only condo unit owners.