Reward programs to grant rewards to renters of rental units; reward programs to grant rewards to renters in response to tenant loyalty; incentive programs delivered to potential renters to encourage renters to rent in a particular property; incentive programs delivered to existing renters to encourage existing renters to renew a lease; reward programs to reward renters with rewards determined in accordance with prior purchasing patterns; reward programs providing points or cash back to renters that can be accessed using a debit card; reward programs providing points or cash back to renters that can be accessed using a gift card; payment networks to transfer renter rewards from a property owner's financial account directly or indirectly to a renter's financial account; payment networks to transfer renter rewards from a property manager's financial account directly or indirectly to a renter's financial account; fractional real estate ownership programs; real estate investment; real estate investment funds; software to facilitate operation of financial rewards programs for renters on mobile electronic devices; smart phone apps for advertising renter rewards; smart phone apps for delivering renter rewards; smart phone apps to permit a renter to access rewards; smart phone apps to permit a renter to transfer cash rewards from a rewards account to a different financial account; incentive or rewards programs related to rental of residential real estate; incentive or rewards programs related to rental of residential apartments; incentive programs to reward a renter of residential real estate for performing a request from an owner or manager of the residential real estate; incentive or rewards programs to reward a renter of residential real estate for performing a maintenance task on a rental unit being rented by the renter; incentive or rewards programs to reward a renter of residential real estate for modifying their usage of a utility in the way of energy, water, sewer or the like in response to a request from an owner or manager of a rental unit being rented by the renter; reward or incentive programs to grant rewards or incentives to renters of rental units in response to referring a renter or a service provider to the owner or manager of a rental unit being rented by the renter