Keystone IQ is a bookkeeping and portfolio tracker built specifically for rental property owners.

Stop spending weekends copying numbers into spreadsheets. 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 THE SYSTEM 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.
- 12-month forward 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 trial. No credit card required. A subscription is required after the trial to maintain 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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