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For operators, success depends on balancing two priorities at once: strong portfolio performance for owners and a better experience for residents. In a market where affordability pressure is still high, renter financial services can help support both sides of that equation.
When residents feel more financially stable and better supported, they are more likely to stay engaged, stay current, and renew. That makes renter financial services more than an amenity. They can become a practical tool for supporting retention, reducing friction, and strengthening performance across a portfolio.
Demand for Rent Reporting Remains Strong
Demand for rent reporting continues to grow. In a Fannie Mae survey, 80% of renters said they want their on-time rent payments reflected on their credit reports.
That makes sense. Rent is one of the largest monthly expenses for most households, yet it has historically not helped renters build credit in the same way as other recurring financial obligations. For renters trying to improve financial access, that gap matters.
Through Rent Reporting, Esusu helps eligible renters turn on-time rent payments into positive credit data. Esusu’s platform reports to all three major credit bureaus - Equifax, Experian, and TransUnion - uses positive-only reporting, and has helped establish more than 107,000 credit scores, with renters seeing an average +53-point score increase based on lifetime resident data.
For operators, that creates a resident-facing benefit that is easy to understand and highly valued. It also supports a broader resident experience strategy that can differentiate a property in a competitive market.
When Renters Fall Behind, Don’t Go Straight To Eviction
When renters fall behind, eviction is often one of the most expensive outcomes for both residents and owners. Eviction filings in 2023 were up 50% compared with pre-pandemic levels, and that eviction-related costs can range from $2,500 to $8,000 per case, depending on location and circumstances.
That is why renter support matters most before a problem becomes a vacancy, a legal process, or a loss event. Instead of relying only on collections and turnover after a crisis begins, operators can offer solutions that help residents stabilize earlier.
Esusu’s Rent Relief program, offered in partnership with Stable Home Fund, is designed to help eligible renters catch up on past-due rent, avoid eviction, and regain financial stability. It’s a rental assistance support for renters facing temporary hardship.
81% of renters who accessed rent relief through Esusu and Stable Home Fund in 2023 continued making rental payments afterward. Currently, this program has disbursed $26M to date and helped more than 13,000 families avoid eviction.
For operators and owners, that means renter support can also be a practical business decision. Fewer disrupted households can mean lower bad debt, less turnover, and fewer costly eviction outcomes.
Drive Social Impact Backed By Data
Renter financial services can also strengthen the “S” in ESG. Esusu’s Social Impact approach is built around measurable renter outcomes, helping owners and operators connect resident financial health to broader portfolio and reporting goals.
See the impact:
- Credit scores established
- New average portfolio credit score
- Rent relief deployed
- Percent of renters who built prime credit scores
- New car and student loans unlocked
- Mortgages established through access to new credit
That makes renter financial services useful not only as resident-facing benefits, but also as measurable tools for annual reports, investor materials, ESG disclosures, and broader social impact reporting.
Start With A Pilot, then Scale
If you are looking for the right way to roll out renter financial services during uncertain conditions, a focused pilot can be a smart place to start. Testing services in a smaller group of properties can help operators show owners what the real resident and business impact looks like before expanding portfolio-wide.
That approach gives teams time to measure participation, resident response, and operational outcomes, while also creating a clearer story about ROI and resident satisfaction.
Want to learn more?
If you want to explore how renter financial services can support both residents and owners, start with Esusu’s current solutions for Rent Reporting, Rent Relief, and Social Impact. Together, they offer a more complete resident financial health strategy that can help operators improve both resident outcomes and portfolio performance.