Payment Plan Success Rate Calculator

Plans succeed when structured right.

Plans offered

Plans completed

Avg plan amount

Avg plan length months

Plan success rate

0.7%

Total recovered via plans

$89,600

Plans defaulted

How the math works

Success rate = completed / offered. Recovered = completed × avg amount.

48 offered, 32 completed = 66.7% success. $89.6k recovered. 16 defaulted — follow-on eviction costs.

How to Use

Enter plans offered.
Enter plans completed.
Enter avg plan amount.
Enter avg plan length months.
Read success rate and recovered amount.

Frequently Asked Questions

What's a payment plan?

Negotiated payback of arrears over 2-6 months, typically added to current month's rent at 25-50% incremental. Formalized with signed addendum, current rent must also be paid timely. Default on plan triggers acceleration and eviction.

Success benchmarks?

3-month plans: 70-85% success. 6-month plans: 55-70%. 12-month plans: 40-55%. Shorter plans with larger per-month payments outperform longer plans. Willingness to terminate on default is critical — toothless threat = low success.

When not to offer?

Current income inadequate for current rent + plan increment. Prior plan default. No apparent income source. Habitual late-pay pattern before arrears. These signal inability not willingness — eviction more efficient than extended plan default.

How does this interact with the rest of the capital stack?

Each tier of the stack affects the next. Senior debt constrains LTC and DSCR. Mezz and pref consume equity spread. Interest rate hedges protect DSCR but cost premium. Always model the full stack holistically — optimizing one tier alone often degrades another. Institutional underwriters run three or four scenarios across the stack before committing capital.