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What's inside Stackhold

One model for your whole property journey.

From your first portfolio entry to your tenth property exit — Stackhold's engine stays in sync. Change one thing, everything recalculates.

Connected modules of the Stackhold portfolio planner
Dashboard Portfolio Tenants Cashflow Manage Strategy Pro AI Pro
Dashboard
Your equity, headroom, and next move — at a glance.
Net equity
$1,423,400
+ $12,400 projected this year
LVR
58%
of 80% cap
Plenty of borrowing room
DTI
5.1×
of 7× cap
Approaching cap
Servicing
12%
of rent roll
Rent covers outgoings
Next move · Q3 2027
You'll have $142k deposit ready — $820k new-build stays under 7× DTI.
Open scenario Ask Stackhold to refine
Income
$78,400
/ yr
Cashflow
−$42
/ wk
Capital
$612k
available
Yield
4.1%
gross
Occupancy
96%
12-mo avg
DTI. LVR. Cashflow. Stress tests.

The financial engine

Live metrics tuned to your country. Gross/net yield, portfolio LVR, debt-to-income, stress-tested serviceability and exact borrowing capacity — all from the numbers you enter, all updated instantly.

DTI
6–7×

NZ / AU

LVR
65–80%

by use

Stress
8.5%

NZ buffer

stack-hold.app/plan/ cashflow 🇳🇿 NZ$
Weekly cashflow · year by year
+ NZ$412/wk by year 10
DTI 7× · LVR 80%
Rent Costs Net Breakeven year 3
Doesn't just advise — updates your plan.

AI that acts

Ask in plain English: "Add a $720k new-build at 6.2% IO for 5 years." The AI writes it into your portfolio, recalculates cashflow and DTI, and flags any lending breach — so you act in one place.

Actions
20+

structured

Modes
4

Guide · Advisor · Action · Review

Context
Full

portfolio-aware

stack-hold.app/plan/ assistant 🇳🇿 NZ$
K
When can I afford a $820k new-build without blowing DTI?
Based on your current plan: Q3 2027. Needs $142k deposit + $12k buffer. Proposed actions • Add planned property · $820,000 · IO 5y • Top-up offset from unit B · $58k • Recompute: DTI 5.8→6.3 within 7× Apply to plan Show working
When can I afford the next one?

10-year forecast

Project portfolio value, rent growth, expenses and serviceability out a decade. Hit milestones automatically — next deposit, next LVR window, next DTI headroom — so you know the answer before the agent calls.

Horizon
10 yr

forecast

Milestones
Auto

next buy

Scenarios
∞

what-ifs

stack-hold.app/plan/ growth 🇳🇿 NZ$
Equity projection · 10 years
NZ$4.82m
Compound 6.4% p.a.
P1 P2 P3 P4
Value Debt 4 purchase windows identified
Tenants · tasks · expenses · documents.

Run every property like a pro

Self-managers stop juggling spreadsheets and sticky notes. Each property has its own tenancy log, maintenance task list, expense ledger (with optional receipts), document vault and key-date reminders — all in the same app that models the cashflow.

Per property
6

admin tabs

Receipts
Yes

attach files

Reminders
Built-in

key dates

stack-hold.app/plan/ manage 🇳🇿 NZ$
Tenancy · 17 Anzac Ave
Sarah & James Patel
Lease ends 12 Mar 2027 · NZ$650/wk
Active
TenancyTasksExpensesDocumentsInsurance
Smoke alarm 6-month check
Due in 4 days
!
Repaint exterior weatherboard
Quote received · Hank's Painting
Hot water cylinder service
Completed · receipt attached
Documents
14
Lease · insurance · WoF
Logged this year
NZ$3,840
Tax-ready expenses
Income, expenses, liquid cash — not just the bricks.

Your full financial picture

Add personal income sources, monthly and annual expenses, and the cash you can actually deploy. Your owner-occupied home is modelled separately. The engine ties this directly to serviceability, deposit-readiness and DTI — so the next-buy date is real, not optimistic.

Income
Many

salary · rental · other

Expenses
Monthly + annual

modelled

Cash
Live

deposit-ready

stack-hold.app/plan/ personal-finances 🇳🇿 NZ$
Liquid cash · deposit ready
NZ$142,500
Buy-ready in 11 months at current savings
DTI 7× · LVR 80%
Income
+ NZ$2,860/wk
Salary · SarahNZ$1,640
Salary · JamesNZ$980
Side rentalNZ$240
Expenses
− NZ$1,920/wk
Owner-occ. mortgageNZ$720
Living & foodNZ$680
Insurance & ratesNZ$210
Serviceability headroom NZ$940 / wk free
Used 32% of stress-tested capacity · room for one more deal
Plan the exit before the entry.

Selling strategy

Model sale proceeds, commission, payoff and cash released. Run disposal checklists (valuation, agent, pre-approval). Feed released capital straight into your next deposit.

Checklists
Built-in

disposal

Proceeds
Live

auto-flow

Buyout
Yes

calculator

stack-hold.app/plan/ portfolio/exit 🇳🇿 NZ$
When to sell · live ranking
After-tax, after-costs
Unit B — Mt Eden
Sell window: Now
+14.2%
House — Hamilton
Sell window: Q2 2026
+6.1%
Unit A — Wellington
Sell window: Hold 3y
-1.8%
NZ · AU · US. Real rules.

Multi-market by design

Not a US tool with other currencies bolted on. LVR, DTI, stress tests, rent period (weekly vs monthly), terminology (bright-line, 1031, negative gearing) — all native to your market.

Markets
3

live

Rules
Editable

per country

Currency
Native

NZD/AUD/USD

stack-hold.app/plan/ settings/markets 🇳🇿 NZ$
Live lending rules · by country
Auto-updated
🇳🇿 New Zealand
DTI 7×
LVR 80%
RBNZ
🇦🇺 Australia
3% buffer
APRA
Offsets
🇺🇸 United States
DTI 43%
LTV 75%
30y fixed
Switch market in one click Currency · rent period · tax model all swap
Native iOS + Android coming next.

Plan on the web today

The full Stackhold experience runs in your browser today — same data, same numbers, same AI. Native iPhone and Android apps are in active development; your account and portfolio will sync the moment they ship.

Web
✓

live

iOS
Soon

in build

Android
Soon

in build

stack-hold.app/plan/ dashboard 🇳🇿 NZ$
Net equity
NZ$1.42m
+ NZ$12.4k projected this year
LVR
58%
Plenty of room
DTI
5.1×
Approaching cap
Servicing
12%
Rent covers it
Income
NZ$78k
Cashflow
−NZ$42/wk
Capital
NZ$612k
Yield
4.1%
Occupancy
96%
Real rules, per country

The lending logic, baked in.

Every number below is an editable default. Your bank's thresholds are different? Change them — the engine recalculates across the whole portfolio.

Rule 🇳🇿New Zealand 🇦🇺Australia 🇺🇸United States
Owner-occupied LVR80%80%80%
Investor LVR65%70%80%
DTI cap7×6×43%
Stress-test buffer8.5%8.5%n/a
Rent periodweeklyweeklymonthly
CurrencyNZ$A$US$
RegulatorReserve Bank of New ZealandAPRAFannie Mae / Freddie Mac

Plan the next decade in an afternoon.

Start free. Add your first property. Watch the numbers connect.

Start free See pricing

No credit card · Cancel anytime · Your data stays in your private cloud account