Yes, and the ugly part is that some of it is not law, it is just risk tolerance from the realtor or landlord. A lot of people get through this stage with passport, employment or school proof, and the ARC application receipt, but it helps if you can show a Korean contact number and a move-in timeline that sounds concrete. I would treat every “impossible without ARC” answer as “impossible at this desk” and ask one or two more agencies before giving up.