Most property tools assume one role per person. The truth is messier: people rent and own at the same time, share property with siblings, live in the house they rent rooms in. These three stories cover most of the real market.
Maya, 32, software engineer in Austin. Her grandmother left her a 2-bed condo in San Diego. She rents it out to cover the HOA and mortgage. She herself rents a one-bedroom in Austin where her landlord uses Avail to collect her rent.
One login. Her dashboard shows her own rent due in Austin alongside her tenant's payment due in San Diego. The Schedule E export already categorizes the mortgage interest, the HOA, the management fee. Her CPA gets one PDF.
Properties: 2 (1 owned, 1 rented from someone else)
Plan: Free (2 units)
Apps replaced: Avail, TurboTenant, Google Sheets, a receipts folder
Property: 1 duplex (2 units), one occupied by Raj, one by a long-term tenant.
Plan: Free (2 units)
Apps replaced: Venmo, a shared Notes doc, a group text full of receipts
Raj and Priya, mid-30s, inherited a duplex in Sacramento. Raj lives in one unit and pays "rent" to the trust the duplex sits in. Priya lives in Seattle and is the co-owner of record. They share decisions on maintenance, capital improvements, and the long-term tenant in the other unit.
Both are co-owners on the duplex. Raj is also a primary tenant on his own unit's lease — paying himself and Priya through the trust. Every transaction is in one ledger both can see. The other unit's tenant has a normal tenant portal experience and doesn't need to know any of this.
Diego, 28, bought a 3-bed house in Tampa with an FHA loan. He lives in the master bedroom. He rents the other two bedrooms to roommates on month-to-month leases.
Diego sets up the property, creates two units (Bedroom A, Bedroom B), and invites his roommates. He himself is also on a lease — the implied "owner-occupier" lease — so the rent split is mathematically clean. Late fees only apply to roommates. His Schedule E correctly handles partial-property income.
Property: 1 house, 2 rentable units (3 total occupants).
Plan: Free (2 units) or Standard if a third roommate joins.
Apps replaced: Splitwise, handshake deals, denial
Free for 2 units. No tenant fees. No bank switch. Get on the early-access list.