How Much Can I Get? How a Rent Advance Amount Is Calculated

"How much can I get?" is the first question every owner asks, and most capital products answer it with "apply and we'll let you know."

Here it's arithmetic you can do yourself. Three inputs, one formula.

The three inputs

1. Your monthly rent. What the tenant actually pays under the current lease.

2. How many months you advance. Between 2 and 11, bounded by how much term is left on the lease. A lease with three months to run supports at most three months; a fresh twelve-month lease supports the full eleven.

3. The advance rate: 90%. Ryse charges a flat 10% fee on the rent advanced, so you receive 90% of it. That rate doesn't move based on your credit, your history, or negotiation. There isn't one to have.

The formula

Rent advanced = monthly rent × months advanced
Fee           = rent advanced × 10%
You receive   = rent advanced × 90%

That's the entire calculation.

Worked examples

A $2,000/month unit, 10 months advanced


Rent advanced (10 × $2,000)	$20,000
Fee (10%)	$2,000
You receive	$18,000

A $1,400/month unit, 6 months advanced


Rent advanced (6 × $1,400)	$8,400
Fee (10%)	$840
You receive	$7,560

Three properties at $1,800/month, 11 months each


Rent advanced (3 × 11 × $1,800)	$59,400
Fee (10%)	$5,940
You receive	$53,460

If you own several properties, they combine into one total offer: the number you see is the whole thing, with the per-property detail underneath.

Three worked examples in one table: a $2,000/month unit advanced 10 months yields $20,000 advanced, a $2,000 fee, and $18,000 received; a $1,400/month unit advanced 6 months yields $8,400, an $840 fee, and $7,560 received; three $1,800/month units advanced 11 months each yield $59,400, a $5,940 fee, and $53,460 received. The fee is flat at 10%.

What moves the number, and what doesn't

Moves it:

Rent. Directly and proportionally.
Months remaining on the lease. The single biggest lever. A property with eleven months of runway supports roughly four times what a property with three months does.
How many properties you include. Each qualifying property adds its own amount.

Doesn't move it:

Your credit score. There's no credit pull at all.
Your income or tax returns. Underwriting is on the lease and the rent, not on you.
Your equity or your mortgage balance. This isn't secured by the property.
Negotiation. The 10% fee is flat.

That third one surprises people. An owner with a nearly-paid-off property and one who just bought get the same offer on the same lease, because equity has nothing to do with a purchase of future rent.

Why lease term matters so much

If you take one thing from this: the length of your remaining lease is what determines the size of your advance.

Advanced rent has to come from somewhere, and that somewhere is rent the current tenant is already contracted to pay. Two months left on a lease means at most two months of rent to sell.

The practical consequence is one of timing. The same property, on the same rent, will support several times more capital right after a renewal than right before one. If you know a renovation is coming and a renewal is close, doing the renewal first is usually worth several thousand dollars.

A bar chart of what the same $2,000-a-month unit supports as lease term varies: $5,400 with three months left, $10,800 with six, $16,200 with nine, and $19,800 with eleven, which is 3.7 times more capital from identical rent.

What you need to qualify

Before any of the arithmetic matters:

Residential rental property
An active tenant currently paying rent
A lease with 12 or more months of term
The property is not listed for sale

If all four are true, you have an offer. If one isn't, the arithmetic doesn't come into it.

What you actually see

You don't have to compute any of this by hand. Your property manager can pull it up per property, and if they invite you, your offer page shows the gross offer, the fee, and the net amount you'd receive, before you commit to anything or sign anything.

Funding typically lands 3–5 business days after approval.

The arithmetic, in one line

90% of (monthly rent × months advanced).
Between 2 and 11 months, limited by lease term remaining.
Flat 10% fee, no negotiation, no credit check, no equity involved.
Lease term left is the biggest lever on the total.

Want the real number for your properties? Talk to your property manager about Ryse. Bring the property address and the lease end date, and they can pull it in minutes.

General information, not financial advice. Actual eligibility, amounts, and terms depend on the property, the lease, and the offer you receive.