Everything you want to know before you start.

No. Stackhold is a planning and modelling tool. The numbers and rules reflect typical lender behaviour and public regulatory guidance, but every deal depends on your broker, bank, accountant and lawyer. Always take licensed advice before acting.

No. The Free plan covers portfolio, base equity, income, cashflow projections, multi-market rules and built-in property management (tenants, tasks, expenses, documents). Premium adds the 10-year forecast, Stackhold Strategy and the Cockpit (Stackhold Assistant). You can upgrade any time inside the app.

We ship sensible defaults — NZ 65% investor LVR, AU 70%, US 43% payment-based DTI, plus stress-test buffers — and you can edit every rule per country. If your bank uses different thresholds, just change them and the whole engine recalculates.

Yes. Each property has its own admin space — tenancies (with start/end dates, bond, rent reviews), tasks and inspections, an expense log with optional receipts, a document vault for contracts and certificates, and key-date reminders. Stackhold isn't a tenancy-platform replacement (we don't collect rent), but for self-managers it removes the spreadsheet-and-sticky-note layer entirely.

Yes. You add your income sources, monthly and annual expenses, and your liquid cash. The engine uses these to compute real serviceability, deposit-readiness and DTI — so when it tells you the next-buy date, that number reflects your actual cashflow, not just the rentals.

In your own private cloud account, encrypted in transit and at rest. You can delete your account and data at any time from Settings. See our Privacy policy for detail.

Yes. The Cockpit (Stackhold Assistant) uses a structured action protocol to add, update or remove portfolio items, incomes, tasks and more. Every action is previewed and applied with your confirmation — you stay in control.

Right now Stackhold has native lending rules and terminology for NZ, Australia and the United States. You can still use the generic engine for other markets — currency, rent period and rules are all editable.

They're in active development right now. The full Stackhold experience runs in your browser today; the same data and account will carry across the moment the mobile apps ship. Founding members get the apps as soon as they're available.

Your plan keeps its Free-tier features (portfolio, cashflow, multi-market, property management, personal finances) intact. Premium features lock until you resubscribe. Your data is preserved — nothing is deleted.