Music Store Management Platform Domain Design: Rentals # 1. Overview The Rentals domain manages instrument rental contracts, recurring billing, and rent-to-own tracking. Rentals are one of the most financially complex areas of the platform due to recurring Stripe subscriptions, multi-rental billing consolidation, and rent-to-own equity calculations. # 2. Rental Types Type Description Month-to-month Standard rental — continues until returned or cancelled. No purchase obligation. Rent-to-own A percentage of each payment applies toward purchase price. Customer can buy out at any time. Short-term Hourly, daily, or weekly rental. Flat fee, no subscription. Common for events. Lease purchase Fixed-term contract with defined end purchase price. # 3. Database Schema ## 3.1 rental Column Type Notes id uuid PK company_id uuid FK account_id uuid FK Billing account member_id uuid FK Member who has the instrument inventory_unit_id uuid FK Specific instrument rented rental_type enum month_to_month | rent_to_own | short_term | lease_purchase status enum active | returned | cancelled | completed start_date date end_date date Null for open-ended rentals monthly_rate numeric(10,2) Monthly charge amount deposit_amount numeric(10,2) Security deposit collected deposit_returned boolean billing_group varchar Groups rentals for consolidated billing stripe_subscription_id varchar Stripe subscription reference stripe_subscription_item_id varchar Line item if consolidated rto_purchase_price numeric(10,2) Rent-to-own: full purchase price rto_equity_percent numeric(5,2) % of payment applied to equity rto_equity_accumulated numeric(10,2) Total equity built toward purchase notes text legacy_id varchar AIM rental contract ID created_at timestamptz ## 3.2 rental_payment Records each individual payment made against a rental — populated via Stripe webhook events. id, rental_id, account_id, stripe_invoice_id, stripe_payment_intent_id,amount, rto_equity_applied, payment_date, status (paid|failed|refunded), created_at # 4. Rent-to-Own Logic When a rental is of type rent_to_own, each payment applies a percentage toward the purchase price. - rto_equity_accumulated increases by (monthly_rate × rto_equity_percent) each payment - Buyout amount = rto_purchase_price − rto_equity_accumulated - Staff can offer buyout at any time — triggers inventory_unit status change to 'sold' - On buyout, Stripe subscription is cancelled and a one-time charge is created for remaining balance - Invoice shows accumulated equity and remaining buyout balance # 5. Billing Consolidation ## 5.1 Consolidated Billing When billing_group is set to the same value on multiple rentals for the same account, they share one Stripe subscription with multiple line items. One charge per month covers all grouped rentals. ## 5.2 Split Billing When billing_group is null, the rental has its own independent Stripe subscription. Useful when a customer wants rentals charged on different dates. ## 5.3 Adding a Rental Mid-Cycle - If consolidating: add new line item to existing subscription — Stripe prorates automatically - If split: create new standalone subscription with requested billing date - Invoice shows prorated amount for partial first month # 6. Return Workflow - Staff records return — captures condition assessment - inventory_unit status updated to 'available' (or 'in_repair' if damage found) - Stripe subscription cancelled or line item removed - Deposit refund processed if applicable — logged in audit trail - Final invoice generated for any partial month charges - If damage found, repair ticket created automatically and linked to rental record # 7. Rental Agreement Contracts Every rental requires a signed agreement before the instrument leaves the store. Agreements are generated from templates, capture all rental terms, and are stored as signed documents. ## 7.1 rental_agreement_template Store-configurable contract templates. Most stores have one template per rental type, but can create variations for schools, events, etc. Column | Type | Notes id | uuid PK | company_id | uuid FK | Tenant scoping name | varchar | e.g. "Standard Month-to-Month", "School RTO Agreement", "Short-Term Event Rental" rental_type | enum | month_to_month | rent_to_own | short_term | lease_purchase | all body | text | Contract body with merge fields (see §7.3) requires_signature | boolean | Default true — some internal/school agreements may waive requires_guardian_signature | boolean | Default true if member.is_minor include_insurance_terms | boolean | Whether insurance section is included include_rto_terms | boolean | Whether rent-to-own buyout terms are included include_damage_policy | boolean | Whether damage/loss liability section is included is_default | boolean | Default template for this rental_type is_active | boolean | created_at | timestamptz | updated_at | timestamptz | ## 7.2 rental_agreement A generated, signed agreement instance linked to a specific rental. Column | Type | Notes id | uuid PK | company_id | uuid FK | rental_id | uuid FK | The rental this agreement covers template_id | uuid FK | Template used to generate account_id | uuid FK | member_id | uuid FK | Member receiving the instrument agreement_number | varchar | Human-readable ID (auto-generated) generated_body | text | Full rendered contract text with all merge fields resolved — immutable after signing status | enum | draft | pending_signature | signed | voided signed_at | timestamptz | When signature was captured signer_name | varchar | Name of person who signed signer_relationship | varchar | Nullable — e.g. "parent", "guardian", "self" guardian_signed_at | timestamptz | Nullable — when guardian signed (if minor) guardian_name | varchar | Nullable signature_method | enum | in_store_tablet | in_store_paper | email | portal signature_data | text | Nullable — base64 signature image for tablet/paper capture document_url | varchar | Nullable — URL to stored PDF in object storage ip_address | varchar | Nullable — for email/portal signatures voided_reason | text | Nullable — why agreement was voided voided_by | uuid FK | Nullable created_at | timestamptz | updated_at | timestamptz | ## 7.3 Merge Fields Templates use merge fields that are resolved at generation time. The generated_body stores the fully resolved text so the agreement is a permanent record even if account details change later. Field | Resolves To {{account_name}} | account.name {{account_email}} | account.email {{account_phone}} | account.phone {{account_address}} | account.address (formatted) {{member_name}} | member.first_name + member.last_name {{member_is_minor}} | "Yes" / "No" {{instrument_description}} | product.name + product.brand + product.model {{instrument_size}} | inventory_unit.instrument_size or product.instrument_size {{serial_number}} | inventory_unit.serial_number {{instrument_condition}} | inventory_unit.condition at rental start {{rental_type}} | Formatted rental type name {{monthly_rate}} | rental.monthly_rate {{deposit_amount}} | rental.deposit_amount {{start_date}} | rental.start_date (formatted) {{end_date}} | rental.end_date or "Open-ended" {{rto_purchase_price}} | rental.rto_purchase_price (if RTO) {{rto_equity_percent}} | rental.rto_equity_percent (if RTO) {{company_name}} | company.name {{company_address}} | company.address {{company_phone}} | company.phone {{today_date}} | Current date {{agreement_number}} | rental_agreement.agreement_number ## 7.4 Agreement Workflow 1. Staff creates rental — system selects default template for rental_type (or staff picks one) 2. Agreement generated: merge fields resolved, generated_body populated, status = "draft" 3. Staff reviews agreement on screen — can edit before finalizing if needed 4. Signature capture: a. **In-store tablet**: customer signs on screen, signature_data captured as base64 b. **In-store paper**: staff prints, customer signs physical copy, staff scans/uploads c. **Email**: agreement emailed to account email with secure signing link d. **Portal**: customer signs via self-service portal (if MOD-PORTAL licensed) 5. Agreement status updated to "signed" — PDF generated and stored 6. Rental cannot activate until agreement is signed (unless overridden by manager) 7. Signed agreement PDF available on rental record, account history, and customer portal ## 7.5 Guardian Signatures - If member.is_minor = true, agreement requires guardian signature in addition to (or instead of) member signature - Guardian must be an adult member on the same account, or signer_relationship recorded for non-member guardian - Both signature fields must be completed before agreement is fully signed - Email/portal signing flow sends to account primary email (assumed to be parent/guardian) ## 7.6 Agreement Delivery - **Print**: generated as PDF, sent to receipt printer or standard printer - **Email**: PDF attached to email sent to account.email - **Portal**: PDF available in customer portal under "My Agreements" - **All signed agreements**: stored in object storage (S3-compatible), URL recorded on rental_agreement.document_url ## 7.7 Voiding and Re-signing - Voiding an agreement requires reason and manager approval - Voiding does not cancel the rental — but rental cannot remain active without a signed agreement - Common void reasons: incorrect terms, wrong instrument, customer requested change - After voiding, a new agreement is generated from template (or modified) and signed - Voided agreements retained for audit — never deleted ## 7.8 Business Rules - Rental cannot activate without a signed agreement (manager override available with reason logged) - Agreement text is immutable after signing — edits require void and re-sign - generated_body is the legal record — template changes do not affect existing agreements - Signature data retained for the life of the agreement (minimum 7 years per record retention policy) - Agreement PDF regenerated on demand from generated_body + signature_data — not dependent on template - Schools with bulk rentals (MOD-BATCH): single master agreement can cover multiple instruments for a school account - Short-term rentals may use a simplified template with fewer terms - Agreement history visible on account record — all past and current agreements listed