Why would any decent tenant want to fork over that much rent in advance? They receive no benefit. Typically prepaying multiple months is a tactic used by tenants with issues that they want you to overlook.
I have never heard of a tenant wanting to pay several months up front. People typically want more money in their pockets not less.
I think this is actually illegal in NJ, you cannot take security of more than 1.5 months rent. If someone doesn't want to worry about paying rent, they should use Cozy. You should be using Cozy anyway!