Keystone IQ

Keystone IQ shows you what to do next with your rental portfolio. A Portfolio Health score breaks your portfolio into five categories, and Optimization points to where money is slipping away: rent below market, income your leases allow but you aren't billing, bills that have crept up, and loan rates above the national average.

Try a change before you make it. What-if scenarios show how your score, yearly NOI and monthly cash flow would move, and your Health trend shows the last 12 months. Every Monday, your Weekly Recap shows who paid, where money moved, and what's coming up. Portfolio Health, what-if scenarios, the trend and below-market rent detection are Pro.

Under it all, the bookkeeping runs itself. Upload a mortgage statement, connect a bank account through Plaid, or snap a photo of a receipt. Keystone IQ categorizes your transactions and logs each one to the right property automatically, and anything it isn't sure about waits in a quick review queue.

WHAT OPTIMIZATION FLAGS
- Income your own leases allow but you aren't billing: a scheduled rent increase that never took effect, late fees the lease provides for, or pet, parking and utility charges missing from the rent.
- Recurring bills that have crept up over the past year, and two vendors billing one property for the same service.
- Loan rates above this week's national 30-year average, with the monthly interest difference at your balance.
- Vendor bills that spike well above their normal baseline.
- Units priced below current local market rates, surfaced before renewal notices go out.
- Portfolio debt coverage (DSCR) slipping below a healthy level.
- Action items ranked by financial priority instead of dumped into an unorganized feed.

TAX-READY BOOKS
- OpEx vs. CapEx sorting: Routine repairs are kept separate from capital improvements, the way your tax advisor needs them.
- Tax form mapping: Assign each property to Schedule E or Form 8825, and its expenses map to the matching line items.
- Mortgage splits: Automatically separates principal reduction from interest.
- Section 280A tracker: Logs personal-use days on short-term rentals and alerts you as you approach the personal-use threshold.

CORE PORTFOLIO METRICS
- Instant calculations for Net Operating Income (NOI), cash flow, cap rate, cash-on-cash return, DSCR, and equity.
- View numbers across your entire portfolio or isolate an individual property.
- Near-term cash flow forecasts built from your actual active leases, reservations, and loan amortization schedules.

RENT AND LEASE TRACKING
- Clear status tracking: paid, late, partial, and overdue balances per tenant.
- A visual timeline of upcoming lease end dates so turnover and vacancy never surprise you.

LONG-TERM AND SHORT-TERM RENTALS IN ONE PLACE
- Full short-term rental support: Average Daily Rate (ADR), RevPAR, occupancy rate, and average stay length alongside your long-term rentals.
- Direct CSV import for Airbnb, Vrbo, and Booking.com.
- Consolidated reporting across long-term, short-term, and mixed units.

DATA PRIVACY
- Bank connections are read-only via Plaid. Keystone IQ cannot move or transfer money.
- Your financial records are private. We never sell your data, and it's never used to train public AI models.
- Export your complete ledger, receipts, and reports at any time.

Start with a 14-day free Pro trial. No credit card required. After the trial, keep using Keystone IQ on the free plan, or upgrade to Pro to keep automated sync and reporting.

Keystone IQ is a software tool, not a CPA firm or tax advisor. Consult a qualified tax advisor for your specific situation.

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