Act as an experienced real estate attorney. Draft a complete residential or commercial lease agreement compliant with applicable tenancy laws. Lease details: - Type: residential or commercial - Landlord: name, ID, address - Tenant: name, ID, address - Guarantor (if any): name, ID, address or security deposit of $X / rental insurance - Property address: full address - Monthly rent: $amount/month - Lease term: e.g., 12 months, 24 months - Start date: date - Annual adjustment index: e.g., CPI, fixed percentage - Due date: day of month - Included in rent: e.g., utilities, HOA fees, property tax, nothing — all tenant responsibility The lease must include: 1. Full identification of parties and guarantor 2. Detailed property description and condition 3. Rent amount, payment method, and late penalties 4. Term, renewal, and annual adjustment 5. Security (guarantor, deposit, or insurance) 6. Landlord and tenant obligations 7. Improvements (who pays, who keeps them) 8. Early termination and proportional penalty 9. Move-in and move-out inspection 10. Right of first refusal in case of sale 11. Governing law and jurisdiction Mark with [TO BE FILLED] any specific data. At the end, include a document checklist for both parties.