How Can We Help?

ROE stands for Return on Equity. It measures how efficiently your equity is working for you by dividing your annual net operating income (plus appreciation) by your total equity in the property. For example, if you have $100,000 of equity in a property that generates $8,000 in annual returns, your ROE is 8%. As properties appreciate and loans pay down, your equity grows — but your ROE can actually decline if returns don't keep pace.

Your data is encrypted in transit and at rest. Passwords are hashed with bcrypt using per-user salts, two-factor authentication secrets are encrypted with AES-256-GCM, uploaded statement PDFs sit in a private bucket reachable only through short-lived signed links, and every sensitive endpoint is rate limited. We never connect to your bank accounts, and we never sell or share your data with third parties. The full detail — including what we do not claim, such as any third-party audit — is at /security.

Yes. You can import transactions in bulk via CSV upload with automatic field mapping and validation. For owner statements, AppFolio and Rentvine PDFs are read directly and other formats are extracted with AI — see the Import Your Statements step above.

Your free 14-day trial covers up to 2 properties with the full portfolio dashboard, ROE and cash-flow analytics, refinance/sell/hold recommendations, scenario modeling, and settings customization — no credit card required. Live market-rent and value estimates and location insights unlock when you choose a plan. When the trial ends, your account becomes read-only — you keep sign-in, viewing and exports — until you pick the plan that fits your portfolio size.

You can cancel anytime from Settings in your dashboard. When you cancel, your data is preserved but becomes read-only until you reactivate. You can also request full account deletion by contacting support.

Absolutely. ROE Engine is designed for multi-property portfolios. You can add as many properties as your plan allows, and the dashboard gives you a portfolio-level overview alongside individual property analytics.

ROE Engine includes standard categories like rental income, mortgage payments, property taxes, insurance, maintenance, HOA fees, property management fees, utilities, and more. Transactions are used to calculate cash flow, NOI, and other key metrics automatically.

Scenarios let you model what-if situations without changing your actual data. You can simulate refinancing at a different rate, adjusting rent, selling a property, or redeploying equity into a new purchase. ROE Engine shows you how each scenario would affect your ROE, cash flow, and overall portfolio performance.

Every property passes through two layers: a fast classifier that flags candidates based on current metrics (DSCR, cash-on-cash, LTV, ROE, cash flow), and a scenario engine that validates whether the recommended action actually improves portfolio year-1 total return after redeploying freed capital at your target ROE. A property is only recommended when both layers agree — candidates that fail the engine check get demoted into Hold with a diagnostic explaining why. See the full breakdown at /help/opportunities-engine.

We pull publicly available mortgage rate data from the Federal Reserve Economic Data (FRED) API. This powers our refinance analysis by comparing your current loan terms against prevailing market rates — no manual rate lookups needed.

Not at all. ROE Engine is built for hands-on investors at any experience level. The dashboard explains every metric, and our getting started guide walks you through setup step by step. If you get stuck, our support team is happy to help.

Use the Undo button in the confirmation that appears right after the delete. Deleting hides the row rather than destroying it, so Undo puts it straight back. Deleting a statement also removes the transactions that came from it, and one Undo restores the whole set together. Once that confirmation is gone, the row can't be restored from the app — it stays in the database for 30 days before a nightly job removes it, and any statement PDF attached to it, for good.

The Transactions list has a search box that matches vendor, description, and notes, plus filters for property, type, category, and date range. Tick the rows you want — or use Select all to take everything currently listed — and you can recategorize the whole selection or move it to a different property in one action, rather than opening each transaction in turn.

Settings is split into three tabs. Preferences holds your decision thresholds, projection assumptions, and display options. Security holds password, two-factor authentication, and your data (export and account deletion). Billing holds your plan, property usage, and the link to the Stripe billing portal. Each tab is addressable: /settings?tab=security and /settings?tab=billing go straight there.

Both, from Settings → Security. Export downloads a single JSON file with everything in your account: properties, loans (property and blanket), operating expenses, valuations, leases, transactions, statements and their line items, goals, deals, and entities. Closing your account cancels your subscription, signs you out everywhere, and emails you the date your data will be removed — 30 days later. Until that date it can be restored: reply to that email or contact support.

Notifications appear in the bell in the app, and by email when you have alert emails switched on. They cover leases ending soon, balloon payments approaching, mortgage rates dropping far enough to make a refinance worth looking at, a new market estimate arriving for a property, a property's Sell/Refinance/Hold recommendation changing, an uploaded statement sitting unreviewed for a week, goal milestones and falling behind pace, and billing events — a subscription starting, a payment failing, or a subscription ending. Each one links straight to the screen it is about.

Each Sell, Refinance, or Hold card opens with a glance row — one headline figure (cash to unlock for a refinance, the equity a sale frees, or monthly cash flow for a hold) — and a chip showing how far the property sits from the threshold that decides its verdict, so you can tell a near-miss from a clear-cut case. Expand the card for the full metrics row — ROE, cash flow, DSCR, and more — plus the ‘why?’ link beside a figure, which opens the reasoning behind it in place: which of your thresholds it was measured against, and what the engine concluded. Properties the engine considered and then left on Hold carry the same explanation, so you can see why a candidate was demoted rather than only which ones passed.