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My Portfolio

Manage Properties

Properties

4

12 total units

Cash Flow

+$3,210

$19,900/mo gross

Portfolio Value

$4.65M

4 Rentcast estimates

Active Alerts

15

4 critical

This Month

May 2026

+$3,210

Rent Collected

$19,900

Fixed Expenses

$15,970

Variable Expenses

$720

Net This Month

+$3,210

Properties

123 Maple Ave

Single Family · 1 unit

A

Rent

$4,600

CF

+$420

Cap

2.6%

Occ

100%

2318 Orange Ave

Multi-Family · 4 units

A

Rent

$9,600

CF

+$940

Cap

3.8%

Occ

100%

411 E 36th St

Duplex · 2 units

C

Rent

$1,500

CF

-$110

Cap

4.0%

Occ

50%

501 Oak Drive

Multi-Family · 5 units

B

Rent

$4,200

CF

+$1,960

Cap

4.0%

Occ

80%

Active Alerts

123 Maple Ave

No Loss-of-Rental Coverage in Policy

2318 Orange Ave

PM Agreement expires in 51 days

411 E 36th St

Lease expired — unit vacant or unlicensed

2318 Orange Ave

Escalating rent schedule detected

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123 Maple Ave

Good
A

123 Maple Ave, Carlsbad, CA 92010

Single Family1 Unit
Run AI Analysis
View Documents
Edit Property

Cap Rate

2.6%

DSCR

1.17

Monthly NOI

$2,944

Occupancy

100%

Equity

$886,000

Cash-on-Cash

2.7%

Overview
Documents
Leases
Financials
Variable Expenses
Work Orders

Monthly Cash Flow

Income

Gross Rent$4,600
Vacancy Loss-$0
Effective Gross Income$4,600

Expenses

Mortgage P&I-$2,524
Property Tax-$955
Insurance-$250
PM Fees (8%)-$368
Variable Exp (avg)-$83
Net Cash Flow+$420

AI Property Alerts

!

No loss-of-rental insurance in State Farm policy

Coverage gap creates $4,600/mo exposure. Contact agent before next renewal.

Mark as completed

!

Lease renewal window opens in 90 days

Contact tenant Sarah Mitchell by Aug 15 to confirm renewal intent.

Mark as completed

PM Agreement review in 180 days

Review property management terms before automatic renewal.

Mark as completed

Documents on File

Maple_Ave_Lease_2025.pdf

Analyzed

State_Farm_Policy_2025.pdf

Analyzed

Mortgage_Statement_Q1.pdf

Analyzed

Property_Tax_Bill_2025.pdf

Analyzed

Inspection_Report_2024.pdf

Analyzed

HOA_Governing_Docs.pdf

Needs Review

Insurance_Renewal_Notice.pdf

Needs Review
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PDF

Maple_Ave_Lease_2025.pdf

Lease Agreement · 42 pages

● 3 critical● 1 warning

AI FINDINGS

4 issues found
!
CRITICALMissing clauseFavors tenant

DESTRUCTION & CASUALTY

No casualty/destruction clause exists. No rent abatement, rebuild obligation, or landlord election not to rebuild after fire or major damage is addressed anywhere in the lease.

Market standard: CA leases should address rent abatement, landlord's rebuild obligation or election to terminate, and timeline for restoration.

!
CRITICALFavors tenant§18 — Holdover

HOLDOVER PROVISIONS

Holdover rent is only $4,600/month — no increase over base rent of $4,600. Market standard is 1.5x–2x monthly rent to deter holdover.

"tenancy shall continue on a month-to-month basis at the same monthly rental of $4,600.00, payable in advance"

Market standard: CA market standard holdover rent is 1.5x to 2x the monthly rent to discourage tenants from holding over past lease expiration.

!
CRITICALMissing clauseFavors tenant

RENT ESCALATION

No rent escalation clause exists for the 12-month term or any renewal period. Landlord has no contractual mechanism to increase rent during the term.

Market standard: CA leases commonly include a fixed percentage or CPI-linked escalation clause, especially for terms exceeding one year or with renewal options.

!
WARNINGReview recommended

PET ADDENDUM LIABILITY

Pet addendum allows 2 pets with $75/mo pet rent but specifies no maximum weight limit or breed restrictions. Damage liability language is non-standard.

Market standard: Most pet addendums specify weight limits (25–50 lbs), approved breeds, and additional security deposit language to protect the landlord.

💬

Ask about this document

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Move this document under a different lease.

123 Maple Ave — Jan 2025

Mark as Reviewed

Danger Zone

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AI-powered insights across your portfolio

Our AI reviews your property documents and financial data to generate strategic insights, scoring, and recommendations. Run an analysis on any property to get started.

AI Insights

Strategic investment analysis — hold, optimize, refinance, or exit.

History (3)

Select Property

123 Maple Ave — 123 Maple Ave, Carlsbad

Single Family · Purchased $918,000 (2019)
2 saved
★ Re-analyze

Saved May 20, 2026, 3:14 PM

↓ Export PDF

8

INVESTMENT
SCORE

Strong Hold

2.6% cap rate reflects Carlsbad's premium appreciation market. 3.25% locked-in rate (refinanced 2021) saves $1,200+/mo vs. current rates — an irreplaceable asset. DSCR of 1.17 provides healthy debt service coverage with $420/mo cash flow. $886K in equity is the portfolio's largest wealth position. Lease renewal window in 90 days and loss-of-rental gap require immediate action.

Financial Snapshot

Monthly Cash Flow

$420

Cap Rate

2.6%

Cash-on-Cash

2.7%

DSCR

1.17

Annual NOI

$35,328

Est. Equity

$886,000

LTV

36.3%

Interest Rate

3.25%

TOP OPPORTUNITY — NEXT 90 DAYS

Contact tenant Sarah Mitchell before August 15 to confirm lease renewal intent. Offering a 3% rent increase ($4,600 → $4,738) secures 12-month continuity, avoids vacancy costs ($4,600+ exposure), and keeps the portfolio's highest-equity property fully performing. This single action eliminates the largest near-term risk in your portfolio.

Strategic Options

Hold & Optimize

Retain this property as the portfolio's equity anchor while capturing rent upside at renewal.

Recommended

PROS

$886K equity — highest appreciation in portfolio

3.25% locked-in rate saves $1,200+/mo vs. current rates

Tenant in place — low vacancy risk if renewed

$100–$600/mo rent upside vs. comparable Carlsbad units

CONS

2.6% cap rate below typical investor threshold (4–5%)

No loss-of-rental insurance creates coverage gap

Lease renewal in 90 days — action required now

No rent escalation clause in current lease

📈

Raise Rent at Renewal

Consider
🏦

Refinance

Not Recommended
🔄

Sell & 1031 Exchange

Caution

Risk Flags

CRITICAL: No loss-of-rental insurance coverage — $4,600/mo exposure if property becomes uninhabitable.

WARNING: Lease renewal window opens in 90 days — no tenant contact documented; vacancy risk is material.

WARNING: Holdover clause does not include rent increase — tenant could holdover at $4,600/mo indefinitely.

OPERATIONAL: Rent of $4,600 may be $100–$600 below market; benchmark against comps before renewal.

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Enter a property's purchase price, financing, and expected rent to model long-term returns, cash-on-cash yield, and cap rate.

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Property Details

Property Address

2224 Desert Rose Dr, Scottsdale AZ

Beds

3

Baths

2

Sq Ft

1,750

Units

1

Year Built

2005

Purchase & Financing

Asking Price

$ 295000

Purchase Price used for calculations

$ 280000

Down Payment

20

%

Loan Term

30

yrs

Interest Rate

6.75

%

Income

Monthly Rent

$

2400

Expense Breakdown

Annual Property Tax

$

2,400

Annual Insurance

$

1,200

Monthly HOA

$

0

Management Fee

8 %

Vacancy Rate

5 %

Maintenance

1 %

10-Year Investment Projection

‹ scroll ›

Year

Prop. Value

Annual Rent

Annual Exp.

NOI

1

$288,400

$28,800

$7,632

$21,168

2

$296,952

$29,376

$7,785

$21,591

3

$305,860

$29,964

$7,941

$22,023

4

$315,136

$30,563

$8,099

$22,464

5

$324,790

$31,175

$8,261

$22,914

Key Metrics

Monthly Cash Flow

+$311

Annual Cash Flow

$3,732

Cap Rate

7.6%

Cash-on-Cash

6.2%

DSCR

1.21

Total Cash Needed

$60,500

Down Payment

$56,000

Monthly PITI

$1,753

⏱ Analyze Deal with AI

AI Deal Analysis

Negotiate

The deal has solid fundamentals at $280K but the $295K asking price compresses returns. A $15K reduction achieves strong cash flow; negotiate aggressively.

Target Purchase Prices

Aggressive

At $265K monthly CF improves to ~$465/mo, CoC return climbs to 9%+, and cap rate exceeds 8%.

$265,000

Moderate

Current modeled price delivers $311/mo CF, 7.6% cap, 6.2% CoC — strong performer with reasonable margin.

$280,000

Maximum

At asking price, cash flow drops to ~$214/mo and CoC falls to 4.4% — thin margin for any expense surprises.

$295,000

Break-Even Rent

$1,950/mo

This is a fundamentally sound deal with a good cap rate and positive cash flow. At $280K or below, the numbers work. Negotiate the $295K ask down by $15K, confirm rent is at or below market, and budget a reserve fund for maintenance.

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Reports

Income & expense summary for your portfolio

↓ Export CSV
Monthly
Full Year
Custom Range

Month

May 2026

Property

All Properties

Showing May 1 — May 31, 2026

Rent Collected

$19,900

Total Expenses

$16,690

Net Income

+$3,210

NOI

$13,386

P&L Summary
Expense Detail
Rent Collection

Property

Rent Coll.

Mortgage

Insurance

Tax

PM Fees

Total Exp.

Net Income

123 Maple Ave

Carlsbad, CA

$4,600

$2,524

$250

$955

$368

$4,180

+$420

2318 Orange Ave

Costa Mesa, CA

$9,600

$5,629

$400

$1,563

$768

$8,660

+$940

411 E 36th St

Kansas City, MO

$1,500

$1,060

$114

$197

$120

$1,610

-$110

501 Oak Drive

Phoenix, AZ

$4,200

$963

$400

$656

$0

$2,240

+$1,960

Portfolio Total

$19,900

$16,690

+$3,210

123 Maple Ave

Net margin

9.1%

Collection rate

100%

Avg/mo

+$420

2318 Orange Ave

Net margin

9.8%

Collection rate

100%

Avg/mo

+$940

411 E 36th St

Net margin

-7.3%

Collection rate

50%

Avg/mo

-$110

501 Oak Drive

Net margin

46.7%

Collection rate

80%

Avg/mo

+$1,960

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Performance

My Portfolio · 4 properties

Avg Portfolio Score

72

across all properties

Total Gross Rent

$19,900

per month

Total Cash Flow

+$3,210

per month

Critical Alerts

4

requiring immediate action

Property Comparison

Click column headers to sort

↓ Export CSV

Property

Score ↓

Gross Rent

Cash Flow/Mo

Cap Rate

DSCR

Expense Ratio

Occupancy

Alerts

123 Maple Ave

Carlsbad, CA

Single Family1 unit

82

A

$4,600

+$420

2.6%

1.17

91%

100%

2

View →

2318 Orange Ave

Costa Mesa, CA

Multi-Family4 units

78

A

$9,600

+$940

3.8%

1.17

90%

100%

4

View →

501 Oak Drive

Phoenix, AZ

Multi-Family5 units

71

B

$4,200

+$1,960

4.0%

3.03

53%

80%

2

View →

411 E 36th St

Kansas City, MO

Duplex2 units

58

C

$1,500

-$110

4.0%

0.90

107%

50%

7

View →

📄12 document types supported
AI extraction in seconds
🔍Lease, insurance and mortgage analysis
🎉Free to start, no credit card

All in one place.

Everything you need to know about every property you own, organized and updated automatically.

Every document, always ready

Every lease, insurance policy, and mortgage statement lives in one organized place, searchable and accessible in seconds. No more digging through email threads or file folders.

Important dates tracked for you

Renewal windows, policy periods, payment schedules. RentLedger tracks every deadline across every property so you never have to build another reminder spreadsheet.

Your numbers, always current

Cash flow, equity, mortgage balances, and live market data calculated automatically. Know exactly where your portfolio stands at any moment.

Spend your time on opportunities, not administration.

AI Document Extraction

Upload once.
Know everything.

Drop in any lease, insurance declaration, or mortgage statement. RentLedger reads the entire document and extracts every field that matters including tenant names, rent amounts, expiry dates, coverage limits, and loan balances. Automatic data entry, no re-reading documents you have already signed.

  • 12 document types recognized automatically
  • Every field extracted and saved to your property profile
  • Pet rent, addendums, and supplemental charges captured
  • Works with PDF, JPG, PNG, and scanned documents
PDF

Maple_Ave_Lease_2025.pdf

Lease Agreement

✓ Reviewed

Document

Extracted by AI

Tenant

Sarah M. and James M.

Monthly Rent

$2,100

Pet Rent

$75

Total Rent

$2,175

Security Deposit

$4,200

Lease End

Dec 31, 2025

Late Fee

$100 · 5-day grace

123 Maple Ave

Single Family · Purchased $918,000 (2019) · 2 saved

Re-analyze

8

Score

Strong Hold

3.25% locked-in rate saves $1,200+/mo vs. current rates. $886K equity position. Tenant in place. Renew before August 15.

Top Opportunity: Next 90 Days

Contact Sarah Mitchell before Aug 15. A 3% rent increase ($4,600 → $4,738) secures 12-month continuity and avoids $4,600+ vacancy exposure.

Strategic Options

⚙️

Hold & Optimize

Recommended

Pros

  • $886K equity position
  • 3.25% rate saves $1,200+/mo
  • Stable tenant in place
  • $100–$600/mo rent upside

Cons

  • 2.6% cap rate below threshold
  • No loss-of-rental coverage
  • Lease renewal in 90 days
  • No rent escalation clause
🏦

Refinance

At 3.25%, refinancing adds cost without benefit.

Not Recommended
AI Property Insights

Know exactly what to do
with every property.

RentLedger reads your actual leases, financials, and market data to generate a full strategic analysis of each property. An investment score, specific action items, and a ranked breakdown of every option: hold, optimize, refinance, or exit, so you always know your best next move.

  • Investment score from 1–10 with full written rationale
  • Ranked strategy analysis: hold, refinance, 1031, or sell
  • 90-day action plan specific to your property and documents
  • Exportable PDF report for your accountant or lender
AI Property Alerts

Your portfolio,
proactively managed.

RentLedger reads your documents and monitors your deadlines so you do not have to. Lease renewal windows, insurance review periods, and financial changes are surfaced automatically so you can act early and act informed.

  • 90-day advance notice on lease renewals
  • Insurance policy review reminders built in
  • Mortgage rate and payment change detection
  • Email alerts delivered directly to your inbox

AI Property Alerts

Across all properties

3 Active
📋

Lease renewal window opens in 90 days

214 Maple Ave, Unit 2 · Tenant: Sarah M.

90 days
🛡️

Insurance policy review recommended

847 Oak Street · Coverage review due

Review
🏦

Fixed mortgage rate period ending

1204 Birch Blvd · Rate converts in 6 months

Upcoming

Portfolio Overview

Monthly Cash Flow

$4,820

+$320 vs last month

Total Equity

$312,400

+$8,200 this year

Portfolio Value

$1,240,000

Updated this month

Remaining Debt

$927,600

$2,100 paid down this month

Properties

214 Maple Ave, Unit 2

Carlsbad, CA

+$1,840/mo

$104,200 equity

847 Oak Street

San Diego, CA

+$1,620/mo

$118,100 equity

1204 Birch Blvd

Oceanside, CA

+$1,360/mo

$90,100 equity

Portfolio Dashboard

The full picture,
always up to date.

Cash flow, equity, mortgage paydown, and current market value calculated and updated automatically across every property you own. One clear view that tells you how your portfolio is performing right now, without opening a single spreadsheet.

  • Live cash flow and NOI across all properties
  • Equity tracking with real-time market data
  • Mortgage balance and paydown history
  • Per-property and portfolio-wide performance
Investment Calculator

Run the numbers
before you make the call.

Analyze any deal with the built-in investment calculator. Pull live market valuations. Know your cap rate, NOI, and projected return before you commit or before you refinance. Your personal accountant, available the moment you need it.

  • Cap rate, NOI, and cash on cash calculated instantly
  • Break-even occupancy and 5-year equity projection
  • Live property value estimates from market data
  • Save and compare multiple scenarios

Investment Calculator

Property Inputs

Purchase Price

$295,000

Down Payment

$59,000 (20%)

Monthly Rent

$2,400

Monthly Expenses

$680

Property Tax (yr)

$3,600

Insurance (yr)

$1,200

AI Analysis

Annual NOI

$18,240

Cap Rate

6.2%

Cash on Cash

8.4%

Monthly Cash Flow

+$520

Break-even Occupancy

73%

Estimated Equity (5yr)

$141,000

How it works

Three steps to a fully organized portfolio.

📤1

Upload your documents

Drag in your lease, insurance policy, or mortgage statement. Any format. Any property.

🤖2

Find Every Detail

RentLedger extracts every field, detects the document type, and builds your property profile automatically.

📊3

Get your full picture instantly

See your numbers, your upcoming dates, and your portfolio insights all in one place.

Get back the hours you deserve

RentLedger gives you time back and keeps your portfolio organized so you can focus on what actually moves the needle.

Without RentLedger

  • Hours spent tracking down lease terms manually
  • Renewal windows managed in a calendar and forgotten
  • Insurance details re-read every time a question comes up
  • Mortgage statements filed without a second look
  • Precious hours spent calculating portfolio worth each month

With RentLedger

  • Every lease term extracted and searchable in seconds
  • 90-day lease renewal alert sent automatically
  • Insurance coverage limits surfaced instantly on demand
  • Mortgage balance and rate tracked and updated automatically
  • Live portfolio equity updated automatically every month with real-time market data

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$20/mo

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$49/mo

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