(Roast/thoughts on my idea) Building a financial platforms for tenants.🏠💰

Context: We tenants(22-25yo) move to a new city for work, pay high taxes, gets screwed by the landlords, have to pay upfront costs without the 1st salary and have to often resort to personal loans at high interest rates/ask your parents etc. We have also go through interviews multiple times and sadly there's no digital trail of if you were a on-time rent paying good tenant. Its always start from scratch wrt convincing landlords whenever you move to a new place in high demand areas. To summarise: I am building a financial platform to solve the following problems: 1. Pay your high upfront cost and divide by 3/6 with flexible repayment schedules. 2. For every rent payment done through the platform, you'll get very focused rewards/discounts which is very important during the lifecycle of a tenant. Think of it as discounted locked flight ticket during peak season like diwali when you want to go home. 3. One click loans especially home loans at the best rates powered by tenant alternative data when eventually you want to buy your own home. Thoughts? Ik it may look like "another" loan app but we want to help tenants throughout their lifecycle. There's no demarcation of tenants vs other tax paying middle class segment who stay and work from their own homes.