> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Rent benchmarks

> Evaluate rental affordability and payment performance using tenancy-specific evidence.

Use a tenancy and its contractual household obligation as the unit of analysis. Rent assessment is not a mortgage-default task. Identify the applicant's share in a joint tenancy and distinguish recurring rent from deposits or arrears repayments.

## Financial-risk measures

| Measure | Definition and comparison rule |
| - | - |
| Rent-to-income | Contractual household rent divided by supported income under a stated gross or net convention. |
| Residual affordability | Income remaining after rent, essential costs and scheduled obligations. |
| Rent arrears | Amount and duration of unpaid rent relative to the contractual due date and applicable ledger adjustments. |
| Payment continuity | On-time payments over observed rental periods, with partial payments, concessions and credits identified. |
| Household stability | Changes in supported income and obligations without inferring characteristics not present in permitted evidence. |

## Public benchmark sources

The [CMHC Rental Market Report](https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/rental-market-reports-major-centres) provides rental-market measures and arrears tables. Preserve the survey geography, property coverage, reporting period and whether an arrears statistic describes units or money owed. Vacancy and rent-growth measures are market context, not tenant-level default labels.

The source does not establish a universal AMLOK rent-to-income cutoff. An institution or housing provider must define its permitted assessment policy separately from this research benchmark.

## AMLOK evaluation

Measure rental-payment identification, allocation of partial payments, recurring-income recognition and reconciliation to the authorized tenancy ledger. Score amount and due-date extraction independently from any outcome model.

Split evaluation by household and tenancy over time. Report missing-ledger coverage and do not equate a missing bank transaction with an unpaid rent obligation. For monitoring, evaluate payment changes and evidence quality; the housing provider handles any tenant contact or intervention.

Use the [benchmark contract](https://docs.amlok.io/research/industries/index.md#benchmark-contract) and [robustness and governance framework](https://docs.amlok.io/research/robustness.md).


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