Question 1

What is gSquare Labs?

Accepted Answer

gSquare Labs is a Puerto Rico-based SaaS company that builds precise, single-purpose tools for everyday financial situations. Our two products are g²Rent (rental collection automation) and g²Lend (seller-financed mortgage servicing).

Question 2

Who is g²Rent for?

Accepted Answer

g²Rent is designed for independent landlords who want to automate rent collection, track payments, manage late fees, and generate tax-ready reports — all without the complexity of full property management software.

Question 3

Who is g²Lend for?

Accepted Answer

g²Lend is built for individuals who have seller-financed a property and need to track mortgage payments, manage amortization schedules, generate year-end tax forms (480.7A, 1098, 6252), and stay compliant.

Question 4

How much does it cost?

Accepted Answer

g²Rent is $12/mo for your first unit and $3/mo for each additional unit (75% volume discount). g²Lend is $20/mo for your first mortgage and $15/mo for each additional mortgage (25% volume discount). Both include a 60-day free trial on your first property — no credit card required to start. If you use both products, each subscription is billed separately.

Question 5

Is there a free trial?

Accepted Answer

Yes! Every new account gets a 60-day free trial on your first property. Your subscription only begins after the trial ends. You can cancel anytime during the trial at no charge.

Question 6

Do I need to be in Puerto Rico to use gSquare Labs?

Accepted Answer

While gSquare Labs is built with Puerto Rico in mind (including Hacienda tax forms and PR address support), our tools work for properties and obligations anywhere in the United States.

Question 7

How do I sign up?

Accepted Answer

Click "Get Started" on any page. You'll create an account, add a payment method, and optionally connect your bank for ACH collection. The whole process takes about 5 minutes.

Question 8

Can I use both g²Rent and g²Lend?

Accepted Answer

Absolutely. If you start with one product, you can add the other from your dashboard at any time. Your account will upgrade to a combined Lender & Landlord role with access to both tools.

Question 9

How do I invite a tenant or borrower?

Accepted Answer

When creating a rental or mortgage, use the "Invite" option in the tenant/borrower section. Enter their name and email — they'll receive a branded invitation email with a link to set their password and access their portal.

Question 10

What's the difference between g²Rent and g²Lend?

Accepted Answer

g²Rent automates rental collection — invoicing, payment tracking, late fees, utility billing, and lease renewals for landlords. g²Lend handles seller-financed mortgage servicing — amortization schedules, payment tracking, and tax form generation for lenders.

Question 11

What languages does the platform support?

Accepted Answer

The entire platform is bilingual — English and Spanish. Toggle the language from the navigation bar. Emails, notifications, lease agreements, and tax forms are all available in both languages.

Question 12

What notifications will I receive?

Accepted Answer

You'll receive email notifications for payments, late fees, renewal proposals, document requests, and account activity. You can customize which notifications you receive and opt into WhatsApp notifications from Settings.

Question 13

How does payment tracking work?

Accepted Answer

gSquare Labs supports two paths: automatic ACH collection via Stripe Connect, and email-based detection for ATH Móvil, Venmo, PayPal, and Zelle. Payments are matched to the correct tenant or borrower automatically.

Question 14

What payment methods do my tenants/borrowers use?

Accepted Answer

Your tenants or borrowers can pay via ACH bank transfer (direct from their bank account), ATH Móvil, Venmo, PayPal, or Zelle. You configure which methods you accept when setting up each rental or mortgage.

Question 15

How are late fees handled?

Accepted Answer

You configure a grace period and late fee (flat amount or percentage) for each rental or mortgage. If payment isn't received by the grace period deadline, a late fee is automatically applied and the tenant/borrower is notified.

Question 16

Can late fees be waived?

Accepted Answer

Yes. As the landlord or lender, you can waive any late fee from the payment ledger with one click. If a payment is retroactively recorded within the grace period, the late fee is automatically reversed.

Question 17

What happens with partial payments?

Accepted Answer

Partial payments accumulate toward the billing period total. Your dashboard shows real-time progress. Once the full amount is reached, a confirmed payment record is created automatically.

Question 18

Can I record payments manually?

Accepted Answer

Yes. You can always record a payment manually from the payment ledger. This is useful for cash payments or transfers outside the tracked payment methods.

Question 19

How do I get paid via ACH?

Accepted Answer

During setup, you connect your bank account through Stripe Connect. Once connected, tenants or borrowers can pay directly from their bank to yours via ACH transfer. Funds typically arrive in 3–5 business days.

Question 20

Are there any transaction fees?

Accepted Answer

gSquare Labs does not charge per-transaction fees. ACH payments through Stripe Connect are subject to Stripe's standard ACH fees (0.8% capped at $5). Platform subscription fees are separate.

Question 21

How does autopay work for tenants and borrowers?

Accepted Answer

Tenants and borrowers can set up autopay from their dashboard. They link a bank account once, and payments are automatically charged on the due date each month. Autopay uses the same secure ACH infrastructure as one-time payments.

Question 22

Can my borrower make extra principal payments?

Accepted Answer

Yes. Borrowers can make extra principal payments from their Make Payment page. Lenders can also record manual principal payments or apply unmatched email-detected transfers as extra principal. The amortization schedule automatically recalculates.

Question 23

What is the Make Payment portal?

Accepted Answer

The Make Payment portal is where tenants and borrowers initiate ACH bank transfers. It shows the amount due, allows partial or full payments, and supports extra principal payments for mortgages. Payments are processed through the landlord/lender's Stripe Connect account.

Question 24

What happens if my tenant overpays?

Accepted Answer

Overpayments are flagged automatically and the admin is notified. The excess amount is tracked in the payment accumulation system and can be applied to the next billing period.

Question 25

How do I view my payment history?

Accepted Answer

All roles have a payment history page. Landlords and lenders see a full payment ledger with filters, search, date ranges, and CSV export. Tenants see their invoice history, and borrowers see their payment history with amortization details.

Question 26

What is Stripe Connect?

Accepted Answer

Stripe Connect is the payment infrastructure that powers ACH bank transfers in gSquare Labs. It allows your tenants or borrowers to pay directly from their bank account to yours, securely and automatically.

Question 27

How do I set up Stripe Connect?

Accepted Answer

During the signup process (Step 2), you'll be guided through connecting your bank account via Stripe. You can also set it up later from any rental or mortgage creation form under the "Payment Collection" section.

Question 28

Is my bank information safe?

Accepted Answer

Yes. gSquare Labs never sees or stores your bank account details. All financial data is handled directly by Stripe, which is PCI Level 1 certified — the highest level of payment security.

Question 29

How long do ACH transfers take?

Accepted Answer

ACH transfers typically take 3–5 business days to settle. Stripe will notify us when the payment succeeds or fails, and we update your records automatically.

Question 30

What if an ACH payment fails?

Accepted Answer

You'll receive a notification immediately. Common reasons include insufficient funds or incorrect bank details. The tenant/borrower can retry the payment, or you can follow up directly.

Question 31

Can I use Stripe Connect for multiple properties?

Accepted Answer

Yes. Your Stripe Connect account is linked to your gSquare Labs account, not to individual properties. All rentals and mortgages can use the same connected bank account for ACH collection.

Question 32

What does Stripe Connect onboarding require?

Accepted Answer

During Stripe Connect setup, you'll be asked for your business type (select "Individual / Sole Proprietor"), industry (select "Real Estate" or "Financial Services"), and a product description (e.g., "Collecting rental/mortgage payments"). Have your SSN or EIN and bank routing number ready.

Question 33

Who pays the Stripe processing fees?

Accepted Answer

The property owner (landlord or lender) pays Stripe's ACH processing fees (0.8% capped at $5 per transaction). These fees are charged to your Stripe Connect balance, not to your tenant or borrower. gSquare Labs does not add any additional transaction fees.

Question 34

Can my tenant set up recurring autopay?

Accepted Answer

Yes. Tenants and borrowers can enroll in autopay from their settings page. They link their bank account once via a secure setup flow, and payments are charged automatically on the due date each month. They can cancel autopay at any time.

Question 35

What's the difference between ACH and email-based payment tracking?

Accepted Answer

ACH (via Stripe Connect) processes payments directly from your tenant's bank to yours — fully automated, no manual work. Email-based tracking detects payments made through ATH Móvil, Venmo, PayPal, or Zelle by reading confirmation emails. ACH is more reliable; email tracking is useful when tenants prefer other payment methods.

Question 36

What is automatic payment tracking via email?

Accepted Answer

When your tenants or borrowers pay you via ATH Móvil, Venmo, PayPal, or Zelle, those services send you a confirmation email. gSquare Labs reads those emails and automatically records the payment.

Question 37

How do I set up email forwarding?

Accepted Answer

If you use Gmail, you can connect your account with one click during setup. We'll automatically create a filter that forwards only payment notification emails. For Yahoo, Outlook, and other providers, we provide step-by-step manual forwarding instructions.

Question 38

What emails does gSquare Labs read?

Accepted Answer

Only payment notification emails from supported services (ATH Móvil, Venmo, PayPal, Zelle). We create a specific filter so personal emails are never forwarded. Your email content is processed in real-time and not stored.

Question 39

Is my Gmail account safe?

Accepted Answer

Yes. We request only the minimum Gmail permission needed (gmail.settings.basic) to create a forwarding rule. We cannot read your inbox, send emails from your account, or access anything beyond the forwarding filter.

Question 40

What if a payment email doesn't get matched?

Accepted Answer

Unmatched payment emails appear in a dashboard widget where you can manually assign them to the correct rental or mortgage. The system learns from manual assignments to improve future matching.

Question 41

Can I disconnect Gmail forwarding?

Accepted Answer

Yes, anytime. Go to Settings and click "Disconnect Gmail." The forwarding rule and filter will be removed from your Gmail account immediately.

Question 42

Do I need email forwarding if I use ACH?

Accepted Answer

No. If all your tenants/borrowers pay via ACH through Stripe Connect, email forwarding is not needed. It's an optional feature for tracking payments made through other services.

Question 43

What tax forms does gSquare Labs generate?

Accepted Answer

Depending on your jurisdiction: Form 480.7A (Puerto Rico/Hacienda), Form 1098 (IRS), Form 6252 (installment sale income), TX §5.077 (Texas annual statement), and year-end summary reports for borrowers, sellers, and landlords.

Question 44

Are these official government forms?

Accepted Answer

No. gSquare Labs generates informational copies to help you and your CPA prepare official filings. All forms include a disclaimer stating they are not official government documents and do not replace IRS or Hacienda filings.

Question 45

How is interest calculated for tax forms?

Accepted Answer

Interest amounts are derived from confirmed payments and the amortization schedule. Each payment's interest portion is tracked automatically based on the mortgage terms you configured.

Question 46

Do I need to enter Social Security numbers?

Accepted Answer

SSN is requested only at the moment you generate a tax form. It's used in-memory to populate the PDF and is never stored in our database. This zero-knowledge approach protects both you and your borrowers.

Question 47

When are tax forms available?

Accepted Answer

Year-end tax forms are generated for the previous calendar year and should be available by January 31, consistent with IRS and Hacienda deadlines.

Question 48

What jurisdictions are supported?

Accepted Answer

Currently: Puerto Rico, Texas, Florida, Federal, and income-tax-free states (Alaska, Nevada, New Hampshire, South Dakota, Tennessee, Washington, Wyoming). We're expanding — visit our Tax Compliance page to request your state.

Question 49

Can I generate forms for previous years?

Accepted Answer

Yes. The Tax Center includes a year selector. As long as payment data exists for that year, you can generate forms for any past period.

Question 50

How do I change my email or password?

Accepted Answer

Go to Settings in your dashboard. Under Profile, you can update your name, email, and phone. Under Security, you can change your password. Email changes require your current password and trigger a re-verification.

Question 51

Can I cancel my account?

Accepted Answer

Yes. Go to Settings and choose "Cancel Account." You'll be asked for a reason (to help us improve), then your account will be deactivated. You have 90 days to reactivate before data is permanently deleted.

Question 52

What happens to my data if I cancel?

Accepted Answer

Your account is deactivated immediately but data is preserved for 90 days. During that window, you can reactivate with one click from the reactivation page. After 90 days, all data is permanently purged.

Question 53

Can I export my data?

Accepted Answer

Yes. Go to Settings and click "Export Data." You'll receive a ZIP file containing your profile, mortgages/rentals, payments, documents, notifications, and tax forms. Exports are rate-limited to one per hour.

Question 54

How do I reactivate my account?

Accepted Answer

Visit gsquarelabs.com/reactivate and log in. If you're within the 90-day window, you can reactivate with one click. Note: returning customers are charged immediately (no free trial) and a reinstatement fee applies if service was suspended.

Question 55

What is the reinstatement fee?

Accepted Answer

If your account was suspended due to unpaid platform fees, reactivation includes a one-time reinstatement fee: $25 for g²Rent, $42 for g²Lend, or both if you have both products. This does not apply to voluntary cancellations.

Question 56

How do I add g²Rent or g²Lend to my existing account?

Accepted Answer

From your dashboard, click "Add g²Rent" or "Add g²Lend." Your account will be upgraded to a combined role with access to both products. Each product has its own separate subscription.

Question 57

How do I manage my subscription and billing?

Accepted Answer

Visit the Billing page in your dashboard. You can view your subscription status, invoice history, payment method, and upcoming charges. You can also update your payment method or cancel individual product subscriptions.

Question 58

How do I charge my renter for utilities?

Accepted Answer

Enable utility billing when creating a rental, then enter charges each month from your dashboard or the rental detail page. Charges are automatically added to the next invoice.

Question 59

When should I enter utility charges?

Accepted Answer

Enter charges before the 1st of each month when invoices are generated. You'll receive a reminder on the 25th if charges haven't been entered yet.

Question 60

Can my renter see the utility breakdown?

Accepted Answer

Yes. Renters see each utility charge itemized on their invoice, including the provider name and amount.

Question 61

How do I start a lease renewal?

Accepted Answer

Go to the rental detail page and click "Generate Lease Agreement," or use the optional Lease Agreement section when creating a new rental. This creates an initial lease renewal that you can then propose terms for.

Question 62

Can I generate a lease agreement for new tenants?

Accepted Answer

Yes. The lease agreement feature works for both initial leases and renewals. During rental creation, enable the Lease Agreement section to select a template, choose addons, and set the language (English or Spanish).

Question 63

How does the negotiation process work?

Accepted Answer

You propose renewal terms (rent amount, duration, start date, conditions). The tenant receives a link via email to review your proposal. They can accept, counter-offer (up to 3 rounds), or reject. You get notified of each response in real-time.

Question 64

Can my tenant counter-offer?

Accepted Answer

Yes. Tenants can submit up to 3 counter-offers with their preferred rent, duration, and conditions. Each counter-offer appears in the negotiation timeline for your review.

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