My Tenant Can't Pay Rent, Now What?

Blog Updated: 05/11/2025

My Tenant Is Not Paying Rent, Now What?

When a tenant is unable to make rent payments, it can create a challenging situation for landlords. In the U.S., more than 5.7 million households are behind on rent. 

For Florida landlords, navigating late rent payments can be complex with state-specific laws and regulations. The state and local regulations are important to follow to stay compliant.

This guide will help you know what to do if your tenant cannot pay rent on time. The text discusses three main topics.

1. The role of the Department of Housing and Urban Development (HUD).
2. Housing counseling services at federal, state, and local level.
3. Top tips for maintaining good rental agreements to protect both parties.

Understanding Florida Landlord-Tenant Laws

In Florida, specific landlord-tenant laws exist to protect both parties in a rental agreement. Knowing these regulations can help you handle a late rent situation legally and efficiently.

Florida Rent Grace Period

Florida law does not require a rent grace period unless specified in the rental agreement. If your lease agreement does not provide one, then rent is due on the date specified in the contract. 

This means landlords can act right away and start the eviction process if the tenant does not pay rent on time. This helps protect their financial interest in the property.

3-Day Notice Period Requirement

If a tenant fails to pay rent, Florida landlords are legally obligated to issue a 3-day notice. This gives the tenant three days to pay or vacate. 

If the tenant does not respond, landlords can proceed with eviction. The 3 days required by the notice does not include weekends or holidays.

Steps to Take When a Tenant Can’t Pay Rent

1. Open Communication

When tenants face financial difficulties and unable to pay on time, encourage open communication. If they say, "we can’t pay rent this month," find out more about their situation. 

Short-term financial difficulties, such as medical expenses, may resolve quickly. Understanding their position can help you negotiate a solution.

2. Consider a Payment Plan

If the tenant’s financial situation is temporary, a payment plan can help them catch up on rent. You can spread out payments over 30 days or a few months. 

We should formalize this in writing, using clear terms to ensure mutual agreement.

3. Tenant Payment Assistance Programs

Guide tenants to local and state resources. These include the Florida Housing Finance Corporation (FHFC) and the Emergency Rental Assistance Program (ERAP).

They may also benefit from housing counseling provided by HUD to manage rent payments and other debts.

4. Use the Security Deposit

If allowed by the lease, landlords can use a security deposit to cover unpaid rent. However, the landlord requires written notification, and the tenant will need to replenish this deposit later.

5. Offer Short-Term Solutions

Letting a tenant pay part of their rent or delaying late fees for a month can help them. This gives them time to fix their situation and avoid more problems with monthly rent payments.

Legal Actions and Evictions

1. 3-Day Notice

After a grace period, if the tenant cannot pay rent, landlords must give a 3-day notice. This notice allows the tenant three business days to pay or move out.

2. Filing for Eviction

If the tenant does not comply with the 3-day notice, landlords may file for eviction in court. A judge can grant an eviction order, enabling landlords to reclaim the property.

3. Considerations Before Eviction

Evictions can be expensive and stressful for all parties. Offering tenants options like an extended 15 days notice or temporary rent adjustments might resolve issues without legal action.

Preventative Measures to Avoid Rent Payment Issues

1. Thorough Tenant Screening

Screening tenants can prevent future issues. Verify their credit history, credit score, income, and rental history to ensure they can meet rent obligations. 

Reliable payment methods, like auto-drafts or credit card payments, can also help ensure timely rent payments.

2. Clear Lease Agreements

A clear lease agreement for your rental property sets expectations about monthly rent due dates, late fees, rent increases, who is responsible for utility bills, and consequences.

A clear lease agreement for your rental property sets expectations. It covers monthly rent due dates, late fees, and rent increases. It also states who is responsible for utility bills and the consequences of non-payment.

For example, a 15-day late payment penalty clause may deter late payments. Do not confuse this with the 15-day notice that landlords used to require for month-to-month leases.

3. Encourage Early Communication

Encourage tenants to notify you early if they anticipate financial difficulties. This can help you find solutions like rent assistance before your rent is overdue. 

This way, you can avoid eviction and the additional costs that come with it.

Tips for Tenants Unable to Pay Rent in Florida

If you can’t pay rent in Florida, it’s important to act fast and communicate effectively with your landlord. Talk openly with your landlord or property management company.

Here are some steps to consider:

1. Contact Your Landlord Immediately

   Notify your landlord as soon as you realize you may not be able to pay rent. Open and honest communication can lead to solutions, such as a payment plan or temporary deferment.

2. Review Your Lease Agreement

   Carefully read your lease to understand late payment policies, potential fees, and your rights and responsibilities.

3. Seek Assistance

   Explore local resources, including housing assistance programs, nonprofits, and government agencies, that may offer financial aid or rental support.

4. Document Everything

   Keep a written record of your communication with your landlord and any agreements you reach. This documentation can be invaluable in protecting your rights.

5. Plan for the Future

Use this experience to build a financial buffer, like an emergency fund. This will help you manage unexpected expenses in the future.

Taking proactive steps and using available resources can help you handle financial difficulties. This approach can also help you keep a good relationship with your landlord and secure your housing stability.

Additional Resources

• Florida Housing Finance Corporation (FHFC)
• Emergency Rental Assistance Program (ERAP)
• Community Action Agencies

Legal Aid Services

If you need legal guidance, consider contacting local legal aid services for assistance with landlord-tenant disputes.

How We Can Help 

In Florida, dealing with tenants who cannot pay rent needs knowledge of local laws and a caring approach. 

Steps like setting up a payment plan, proper notice, using local help programs, and making clear lease agreements can help landlords with these challenges. 

For ongoing assistance, Allegiant Management Group offers property management services to streamline rental operations. Contact us to learn more.

Video: Steps For When Your Tenant Make Their Rent Payment 

Frequently Asked Questions (FAQs) - Tenants Unable to Pay Rent