The 3% arrears line, and the four loops breaking it

If your arrears rate won't drop below 3%, the fix isn't more phone calls. It's usually one of four broken loops upstream of the arrears list.

The situation: "Your arrears sit above 3% and you can't figure out why."

In the Rent Roll Pulse Health Score, rent arrears are measured as the share of tenancies 4 or more days behind. Under 3% scores Excellent, 3–5% scores Average, and anything sustained above 5% scores Poor. A roll that keeps drifting past 3% is telling you something structural is wrong. Adding pressure to the PM chasing rent is the least effective response.