Executive summary

Renters across the United States face growing financial challenges, particularly those living paycheck-to-paycheck. Rising rent, stagnant wages, and a lack of financial flexibility create a precarious situation where even minor disruptions—such as late rent payments—can have severe consequences, including eviction and, in the worst cases, homelessness.

This paper evaluates how flexible rent payments—such as those offered by solutions like Flex—can empower renters by breaking the cycle of late fees and rigid payment schedules, ultimately fostering financial stability and housing security. By aligning rent due dates with income schedules, flexible rent solutions give renters greater control over their finances while also helping property managers maintain consistent rental income, reduce delinquencies, and lower eviction rates.

Key takeaways:

• Fewer financial penalties: Late fees, overdraft charges, and credit dings add up. Flexible rent solutions help renters avoid these traps.
• Improved financial stability: Paying rent in a way that fits a renter’s cash flow reduces stress, improves financial health, and enables better saving and planning for the future.
• Lower eviction risks: When renters can split payments, they’re less likely to fall behind and face eviction.
• Operational benefits for property managers: On-time payments and reduced delinquencies create more predictable cash flow and lower tenant turnover rates.

Insights from the ebook

92%

avoid fees or penalties

82%

reduce their risk of eviction

87%

reduce their need to borrow money

92%

avoid fees or penalties

82%

reduce their risk of eviction

87%

reduce their need to borrow money

92%

boost their long-term financial health

92%

boost their long-term financial health

77%

significantly improve their ability to manage finances and pay bills

77%

significantly improve their ability to manage finances and pay bills

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Data based on 458 customer responses through Flex's 2025 Financial Well-being Survey. Survey findings may represent a population facing greater financial challenges than the overall Flex customer base. While the results offer valuable insights into Flex's support for financially vulnerable users, differences in representation should be considered when interpreting them.