For independent owners with about 1–20 units who collect their own rent.
When rent is late, most people chase from memory. This kit is a 30-day operating rhythm: a working aging spreadsheet (balance, days late, 0–30 / 31–60 / 61–90 / 90+), a playbook for days 1, 5, 10, 15, and 30, and copy-paste texts plus a plain-language letter outline.
It is operational templates only. Not legal advice. Not a statutory notice. Not a promise anyone will pay. Your lease and local rules still control fees, grace periods, and formal notices.