Run your portfolio. Not a stack of spreadsheets.
One live plan that joins your tenants, expenses, lending rules and 10-year forecast — and an AI copilot that actually writes changes into the model. So your next buy or sell has a real date, not a guess.
No credit card. Free plan keeps your whole portfolio. NZ / AU / US rules built in.
One wrong purchase erases years of gains.
Most investors run their portfolio across half a dozen tools — a spreadsheet for cashflow, a notes app for tenants, a shoebox for receipts, a broker's thread for lending. When the rates move or the rent drops, the deal that looked fine on the kitchen table suddenly doesn't.
Typical loss investors describe from buying at peak before DTI headroom lands.
Gap investors describe between deposit-ready and buy-ready.
How often investors say their spreadsheet goes stale before the plan changes.
Four jobs. One connected model.
Change one number — a rate, a rent, a property — and every downstream number moves with it. DTI, LVR, cashflow, exit value, next-buy date.
Model
Lending rules, cashflow, stress tests — for any country.
Live DTI, LVR and serviceability tuned to your country, with NZ / AU / US defaults built in and every rule editable for anywhere else. Add a property, change a rate, switch a loan to interest-only — the whole portfolio recalculates instantly.
Manage
Tenants, tasks, expenses, receipts, documents.
Run every property like a pro from inside the same app that models the numbers. Tenancy logs, maintenance tasks, expense ledgers with receipts, document vault and key-date reminders — all per property, all feeding your real cashflow.
Forecast
When can I afford the next one? And how do I exit?
A 10-year projection of portfolio value, rent, expenses and serviceability — with auto-milestones for your next deposit, next LVR window and next DTI headroom. Plan the sale before the entry: model proceeds, commission, released capital and recycle it into the next deal.
AI Cockpit
Your portfolio-aware copilot — writes changes, doesn't just chat.
Ask in plain English: "Add a $720k new-build at 6.2% IO for 5 years." The AI sees your full portfolio — properties, tenants, income, lending rules — writes the change into your plan, recalculates everything downstream, and flags any breach before you approve. Every screen knows every other screen.
Never a stale row again.
Change a rent, a rate, or an expense — every downstream number moves with it. No formulas to re-link.
- Weekly or monthly, per market
- Stress-tested at your lender's buffer
- 10-year forecast with milestones
How much can you actually borrow?
Three fields. Five seconds. A real answer — using your market's DTI and LVR rules. Then you'll see what Stackhold unlocks when you plug in the full picture.
- NZ, AU, US rules baked in
- Stress-tested serviceability
- No tracking, no email required
Plan the exit before the entry.
Model sale proceeds, payoff, capital gains, and the cash released — then feed it straight into the next deposit.
Built by an investor, for investors who plan.
Early investors are using Stackhold to replace brittle spreadsheets with one live model for property, cashflow, lending rules and next-move planning.
"Finally a tool that speaks NZ. LVR, DTI and the stress-test buffer are baked in — I stopped rebuilding spreadsheets every time the OCR moved."
"I'm not a spreadsheets person. Stackhold told me exactly when I could afford my first home — in a real number, in my own currency. No jargon."
"We owned one rental and kept putting off buying another because the numbers scared us. Stackhold laid out the whole picture — we bought with our eyes open."
Quotes from beta users. Real names and photos coming as the app rolls out publicly.
Free: the rental property cashflow template
The 1-property cashflow worksheet we use to validate a deal in 60 seconds: gross + net yield, stress-tested serviceability, cash-on-cash return, and the exact monthly cost (or credit) to your bank account.
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Investor questions, answered straight.
I already own 2–3 rentals. Will this actually save me time?
Yes — the median beta investor with 2–4 properties tells us Stackhold saves around six hours a month they previously spent rebuilding spreadsheets, chasing rent changes, and manually updating cashflow per property. The 10-year forecast and Strategy plans add hours back too — work that would normally need a paid advisor.
How does the lending engine handle NZ vs AU vs US rules?
Each market ships with native defaults: NZ investor 65% LVR, 7× DTI, 8.5% stress; AU investor 70% LVR, 6× DTI, 3% stress buffer; US 20% down, 43% payment-based DTI. Every rule is an editable default — if your specific lender uses tighter or looser thresholds, you change the rule once and the entire portfolio recalculates.
Can it model interest-only + principal-and-interest loans on the same property?
Yes. Each loan has its own rate, repayment type, and IO end date. Switching a loan to I/O for 5 years immediately updates that property's cashflow and the portfolio's aggregate serviceability. Plan the rollover before the bank asks.
What about negative gearing / bright-line / 1031?
AU shipments include negative gearing inputs against the personal income tax calc. NZ ships with the bright-line test (2 / 5 / 10-year regimes) on the disposal modelling. US ships 1031 exchange tracking on the sale screen. Each rule is documented inline with the regulator name so you know exactly what assumption it's making.
Will the AI actually do useful work, or is it a chat toy?
The AI Cockpit uses a structured action protocol — every change it makes is previewed and waits for your approval. Typical actions: "add a $720k new-build at 6.2% IO for 5 years and run the strategy", "restructure two rentals from I/O to P&I and show me the cashflow hit", "what's my next-buy date if I clear the high-interest credit card". Real work, with exact numbers — not just a chat about the weather.
My accountant uses spreadsheets — can I export?
You can export portfolio data, cashflow, and the 10-year forecast as CSV. Your accountant gets the same numbers, in the same shape, every quarter — without you rebuilding them.
Plan your next purchase with real numbers.
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