Run your entire property portfolio — not just track it.
Stackhold is the portfolio cockpit for property investors. Tenants, expenses, cashflow, lending rules and a 10-year forecast — all in one connected model, with an AI copilot that actually updates your plan when life changes.
Built by an active property investor, not a Silicon Valley startup.
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
AI that doesn't just answer — it updates your plan.
Most tools give you a chat window. Stackhold's AI writes directly into your portfolio, income, and cashflow — so your plan moves as fast as your thinking.
Yes — it fits. It lifts DTI to 6.3× (under 7× cap), portfolio LVR stays at 62%, and the new-build DTI exemption gives you headroom. Here's what I'll change:
- + Add property: Hamilton new-build · $720,000 · IO 5y
- ↻ Recalculate: DTI 5.8× → 6.3×, LVR 59% → 62%
- ! Flag: $58k short on deposit — sell unit B or defer 8 months
Product workflow preview — structured actions are always shown for approval before anything changes.
Structured actions, not just chat
The AI speaks a structured action protocol that adds, updates or removes portfolio items, incomes, expenses, tasks and checklists. Every action is previewable — you approve before anything changes.
Portfolio-aware by default
Your full context — properties, base equity, income, lending rules, selling strategy, tenant and task data — is available to the AI. It doesn't ask you to re-explain yourself.
Guardrails, not guesses
The AI enforces your deposit, LVR, DTI and stress-test rules. If a suggestion breaches a limit, it flags it loud — with an alternative.
One wrong purchase erases years of gains.
Most investors run their portfolio across a dozen tools — a spreadsheet for cashflow, a notes app for tenants, a shoebox for receipts, a broker's email thread for lending. Then the bank says no, the rates move, the rent drops — and the deal that looked fine on the kitchen table suddenly doesn't.
Stackhold is the cockpit that joins it all up — your country's lending rules, your tenants and expenses, your cashflow and the next decade of your portfolio — so you act with conviction, not hope.
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.
Every screen knows every other screen. Change one number; the rest update — from tenants to cashflow to the 10-year forecast.
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.
Native rules for NZ, AU, US — editable for anywhere.
Not a US tool with other currencies bolted on. LVR, DTI, stress buffers, rent period (weekly vs monthly) and native terminology are built-in for New Zealand, Australia and the United States — and every rule is a default you can rewrite, so the same engine runs for investors in the UK, Canada, Singapore, Ireland, the UAE, or anywhere you own a door.
New Zealand
Reserve Bank of New Zealand
RBNZ investor 65% LVR, 6–7× DTI, stress-tested to 8.5%.
- Investor LVR
- 65%
- DTI cap
- 7×
- Rent period
- weekly
Australia
APRA
APRA investor 70% LVR, 6× DTI, 3% stress-test buffer.
- Investor LVR
- 70%
- DTI cap
- 6×
- Rent period
- weekly
United States
Fannie Mae / Freddie Mac
Conventional investor 20%+ down, payment-based DTI capped at 43%.
- Investor LVR
- 80%
- DTI cap
- 43%
- Rent period
- monthly
Investing somewhere else?
Every lending rule, stress buffer, tax convention and rent period in Stackhold is an editable default. Plug in your bank's LVR cap, your country's DTI or DSCR, your stress-test rate and your currency — the engine recalculates the whole portfolio the same way it would for NZ, AU or US. One cockpit, every jurisdiction.
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.
"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."
"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."
"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."
"The 10-year projection told me exactly when my next deposit would land. I bought with conviction instead of hoping."
"I asked the AI to restructure my portfolio for cashflow, it updated the app live. Saved me two hours of modelling."
Quotes from beta users. Real names and photos coming as the app rolls out publicly.
Your portfolio data stays private, encrypted and deletable.
Stackhold is built for sensitive financial planning. Your account is isolated, traffic is encrypted, billing is handled by Stripe, and AI only receives portfolio context when you ask it to help.
Your portfolio is tied to your sign-in, not a shared spreadsheet.
HTTPS in transit and cloud-provider encryption at rest.
Remove your account and data from Settings whenever you choose.
Stackhold is planning software, not licensed financial advice. Always check material decisions with your broker, accountant or lawyer.
Start free. Upgrade when you're ready.
No credit card to start. Ad-supported Free. Pro unlocks the 10-year forecast, Stackhold Strategy and the Cockpit.
Basic
Try every screen, free forever.
Start free
- Full portfolio, cashflow & forecasts
- Multi-market: NZ, AU, US
- Property management — tenants, tasks, documents
- Personal finances — income, expenses, liquid cash
- Help centre + onboarding tours
- 5 Stackhold Assistant (Cockpit) messages per month
- 1 Stackhold Strategy run per month
- Generous AI quotas
- Priority support
Pro
Everything in Stackhold, with generous AI.
Start 7-day free trial
- Everything in Basic
- 500 Stackhold Assistant (Cockpit) messages per month
- 30 Stackhold Strategy runs per month
- Ad-free experience
- Priority support
- 7-day free trial
- Cancel anytime
Founder
Launch cohort for early supporters.
Become a Founder
- Everything in Pro
- Request features that get built into Stackhold
- Lifetime price-lock on yearly · month-to-month available
- Founder badge in the app
- Priority support
Enterprise
White-label and bespoke for your firm.
Contact sales
- Everything in Pro & Founder
- White-label the app for your firm or clients
- Custom integrations and bespoke features
- Dedicated onboarding & SLA
- Roadmap input prioritised
Frequently asked
Is Stackhold financial advice?
No. Stackhold is a planning and modelling tool. The numbers and rules reflect typical lender behaviour and public regulatory guidance, but every deal depends on your broker, bank, accountant and lawyer. Always take licensed advice before acting.
Do I need to pay to start?
No. The Basic plan is free forever and covers the full app — portfolio, cashflow, multi-market rules, property management and personal finances — including AI: 5 Cockpit messages and 1 Stackhold Strategy run every month. Pro raises those AI quotas (500 messages and 30 Strategy runs / month) and adds priority support. You can upgrade any time inside the app.
How accurate are the lending rules?
We ship sensible defaults — NZ 65% investor LVR, AU 70%, US 43% payment-based DTI, plus stress-test buffers — and you can edit every rule per country. If your bank uses different thresholds, just change them and the whole engine recalculates.
Can I really manage tenants and documents in here?
Yes. Each property has its own admin space — tenancies (with start/end dates, bond, rent reviews), tasks and inspections, an expense log with optional receipts, a document vault for contracts and certificates, and key-date reminders. Stackhold isn't a tenancy-platform replacement (we don't collect rent), but for self-managers it removes the spreadsheet-and-sticky-note layer entirely.
Does it use my personal finances too?
Yes. You add your income sources, monthly and annual expenses, and your liquid cash. The engine uses these to compute real serviceability, deposit-readiness and DTI — so when it tells you the next-buy date, that number reflects your actual cashflow, not just the rentals.
Plan your next purchase with real numbers.
Start free. No credit card. Web, iPhone and Android.
No credit card · Cancel anytime · Your data stays in your private cloud account