Partner-bank FAQ

Yes. RentEase never accepts the borrower's mortgage payment, never holds pooled funds on behalf of a servicer, and never disburses to a lender. The product only splits the obligation between the borrower and RentEase— your mortgage is still paid in full, on the original due date, by the borrower to your servicer. That keeps us out of the RESPA §1024 / §1026 buckets: no servicer role, no tolerance cure obligation, no RESPA-Triggering-Disclosure Form required.

Because we never touch principal and interest, the underlying loan economics are unchanged: same monthly payment, same amortizing schedule, same total interest, same maturity date. The cadence the borrower uses with us (weekly, twice-monthly, monthly) is demonstrated on the mortgage calculator, which is the same artifact a compliance reviewer can replay.

We do not issue a Loan Estimate, Closing Disclosure, or any substitute document on the bank's behalf and we do not appear as a named party on the loan. The complete partner-feature list — including how the cadence interoperates with your current servicing disclosures — is on the partner overview.

No. RentEase never touches the borrower's escrow account, never collects escrow funds, never remits partial escrow disbursements, and never reconciles anything against your T&I ledger. Escrow remains entirely between the borrower and your servicer — paid in full on the original due date, exactly as it is today.

For reviewer convenience, the mortgage calculator renders the 1/12 monthly escrow split produced by annual escrow ÷ 12, but only as a display line. It is a deterministic computation the reviewer can re-run from the published spec and produces no change to the borrower's escrow obligation.

Property-tax payments, insurance premiums, PMI removals, escrow-short computations, and annual escrow analysis all stay with your servicer. RentEase does not ask the borrower for escrow-related information, does not transmit escrow data between the borrower and the bank, and does not surface escrow projections on its consumer UI.

P&I is computed with the standard amortizing formula your servicing team already uses — M = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), where r is the monthly rate (annual ÷ 12) and n is the term in months. The schedule is cents-exact and round-trip reproducible: the same inputs produce the same principal/interest split across runs.

The installment cadence we expose (weekly / twice-monthly) is purely a presentational breakdown of the same monthly P&I — it does notintroduce rounding bias, payment-shape drift, or extra interest accrual. Total interest over the life of the loan is identical between a borrower who uses RentEase's cadence and one who pays monthly.

Reviewers can verify the formula and the cadence-derived schedule against the published spec doc at /docs/mortgage-installments-spec.md and see it run live on the mortgage calculator. The same P&I support appears in the partner feature list on the partner overview.

None. RentEase does not transmit loan-level data, servicing data, payment-history data, or escrow data to the bank. The relationship to the bank is strictly that of an unaffiliated third-party cadence tool the borrower uses on their own side of the loan.

What flows between RentEase and the bank is limited to what the borrower already authorizes at their bank for their own loan — which is nothing, by default. Borrower-facing onboarding data (identity, link checking account for installment collection) stays with RentEase and the borrower. The full data-flow picture and the partner posture on it is on the partner overview.

We do not populate credit-bureau tradelines, do not report payment outcomes to the credit bureaus on either side, and do not transmit data to the GSEs (Fannie/Freddie ULDD fields, FHA connection, or VA servicing transfer packages) on the bank's behalf.

The mortgage-installments offering is a rolling pilot with a fixed cohort of partner banks. Cohort size is intentionally small during the pilot window so we can pair each partner with a named integration contact at RentEase and review edge cases case-by-case without putting the partner on a shared incident channel.

There is no fee to the bankfor pilot participation. RentEase's revenue is the borrower's published installment service percentage (2% on weekly cadence, 1.5% on twice-monthly), which is the same number the borrower sees on the calculator. Run a sample on the mortgage calculator or read the partner CTAs on the partner overview.

Pilot terms for the first cohort include a published borrower-experience SLA for the cadence tools, a quarterly spec-doc reconciliation between partners and our team, and a 30-day exit clause either side can exercise without penalty. Exit is non-blocking for active borrowers — any borrower mid-plan when a partner exits continues on their plan to completion, then the cadence tool quietly turns off for that partner's borrowers.

Payouts go via Stripe Connect direct deposit to the verified US bank you already use. On the rent due date, 100% of the rentlands in your account — the same date, the same amount, the same bank as before RentEase. There is no platform fee, no clawback, and no chargeback risk: you are paid first, out of the float we carry while the renter repays us in installments.

Your tenant's installment cadence (weekly or twice-monthly) lives entirely between the renter and RentEase. From your side, the date, the amount, and the bank account on your payout stay identical to the pre-RentEase flow, so your existing accounting, your bank reconciliation, and your cash-flow planning do not change. Payouts appear in your landlord dashboard in real time.

You never have to enroll with a new bank, sign a contract, or change how rent arrives. The signup flow on /landlord/register is a three-minute Stripe Connect onboarding — once your bank is verified, every future tenant plan on the property pays out through that same direct deposit.

For landlords, the base RentEase tier is $0 — free, forever. You do not pay a signup fee, a per-payout fee, a per-unit fee, or a Stripe Connect onboarding charge. The full rent reaches you on the due date, untouched.

The renter pays a flat $9.99/month subscription plus a per-installment service percentage: 2% per weekly installment or 1.5% per twice-monthly installment. Those numbers are the same ones on the public pricing page and are what the renter sees before they enroll — you never see a separate fee, deduction, or clawback on the landlord side.

The only landlord-paid plan is the optional $59/month Portfoliotier for multi-unit property managers — bulk rosters, statement exports, the multi-unit dashboard, and tenant communication tools. You only opt into that tier if it earns its keep; the free tier remains free regardless of how many individual units you list under it.

Tenants apply through the RentEase renter flow — a soft credit pull, a paycheck- sized cadence choice (weekly or twice-monthly), and a payment-method link that lives on their side. The schedule that appears in their account is the schedule the renter and RentEase agree to; it is not negotiated with you and it does not require any action from you.

You are never enrolled, never asked to sign a new contract, and never asked to change banks. The lease, the deposit, and the screening are all still yours — RentEase is the payment rail on top of an existing lease, not a property manager in the middle of it.

From your perspective, the only thing that changes is that the rent arrives on the same day, for the same amount, into the same bank, via Stripe Connect direct deposit. If your tenant ever falls behind, the platform covers the shortfall out of the float, so the payout to you is unaffected.

For landlords who cross the IRS $10k/year threshold, RentEase issues the appropriate 1099 directly through Stripe Connect. The form follows the same schedule and address-of-record your bank already has on file — there is nothing extra to send us at year-end.

For your own books the platform gives you a per-landlord CSV ledger exportfrom the landlord dashboard. The export lists every payout, the underlying renter plan, the date the installment settled, and the date the disbursement to your bank cleared — lines a typical accountant can reconcile in one import. For a printable summary, the year-end statement PDF route returns a clean twelve-month totals page on demand.

RentEase does notreport your payouts to the credit bureaus, does not file 1099s on the renter's behalf for their installment split, and does not generate sales-tax-collected mechanics. The tax reporting surface is strictly the 1099 issued by Stripe Connect for landlords above the $10k threshold, plus the on-demand CSV export ledger we keep for your reconciliation.

When a renter installment fails, RentEase retries it automatically on a programmatic backoff: +2 days, +5 days, +9 days— up to a maximum of three attempts. During the retry window the renter sees escalating reminders and an in-app "make this installment up" path; you do not have to chase them.

The full rent still lands in your bank on the original due date regardless. If the renter's repayment ultimately fails, RentEase absorbs the shortfall out of the platform float— there is no compounding late fee passed to the landlord, no clawback of funds already disbursed, and no chargeback risk on your payout. You are paid in full, on time, every time.

Only after all retry windows are exhausted does a best-effort "rent recovery exhaust"notification fire to the landlord so you know the renter's role in the situation. At that point the renter is permanently barred from RentEase and your team can pursue the unpaid rent through the lease's normal channels — independent of whether RentEase covered this month's payout.

RentEase lets you repay rent in four weekly installments or two twice-monthly installments instead of paying the full amount at once. Choose the cadence that fits your paydays; your landlord still receives the full rent on the scheduled payout date.

Both schedules cover the same monthly rent obligation — they simply divide it into four weekly payments or two twice-monthly payments. The renter guide walks through enrollment and timing step by step.

The renter fee is a $9.99/month subscription plus a service percentage applied to each installment. The percentage is 2% per weekly installment or 1.5% per twice-monthly installment, so your cadence determines the per-installment rate.

You see the subscription and cadence fee before enrolling, with no surprise landlord deduction added to your rent. Review the current figures on the pricing page.

If an installment does not go through, RentEase retries the payment and sends reminders while the issue is being resolved. You can use the in-app make-up path to bring that installment current rather than silently skipping the amount.

The retry and reminder process gives you a clear chance to update your payment method or catch up. The renter page has the enrollment and payment details to review if you need help.

Your landlord can see a high-level payment status — such as whether installments are on track, processing, or need attention — so they can understand the progress of the rent plan. The status view is not a view of your private payment-method details.

Your installment schedule and payment details remain in your RentEase renter account, while the landlord receives the status information needed for payout visibility. The landlord overview explains what appears on the property side.

RentEase pays your landlord the full rent on the first of the month, whether you choose four weekly installments or two twice-monthly installments. Your installment schedule is your repayment plan with RentEase; it does not change the landlord's payout date or reduce the amount they receive.

This keeps the landlord's cash flow predictable while you spread your payments across the month. See the landlord overview for more about payout timing.