Report

Delinquency Is Not a Back-Office Problem

Why Multifamily Leaders Must Redesign Rent Collection at Scale

Overview

As delinquency rates rise across the multifamily industry, rent collection is no longer a routine task, it’s a strategic risk. This report, produced by SurfaceAI and CRETI, presents findings from a July 2025 national survey of 505 real estate professionals. It highlights how inconsistent, manual delinquency processes are undermining NOI, compliance, and investor trust. The report outlines the case for programmatic delinquency management, including how automation can improve recovery, ensure legal compliance, and reduce labor strain across portfolios.

Key topics

  • Survey insights: 25% of operators cite delinquency as their top operational challenge
  • How inconsistency in collections leads to compliance risks and missed revenue
  • Financial impact of even minor delinquency on asset valuation and NOI
  • Real-world case study: automation reducing delinquency from 4.2% to 2.9%
  • The role of AI in building structured, compliant, and scalable workflows
  • Recommendations for operators: centralization, intelligent automation, and investor reporting alignment
  • Why delinquency should be treated as a core operational discipline, not a site-level task

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