Looking for a Stessa alternative?
Stessa's free plan is a bank-feed tracker — you tag transactions yourself, and reading your PM owner packets or mortgage statements for you isn't part of its advertised toolset. If the paperwork is piling up faster than you can type it in, here's the tool that reads it for you.
14-day free trial. No credit card.
Portfolio Health
88
+4 this month
Net Op. Income
$48,320
6.2% YoY
DSCR
1.62×
Healthy
Cap Rate
6.4%
Watch
The product you'd otherwise build yourself
One Portfolio Health Score — a single 0–100 number rolling up NOI, DSCR, occupancy, and expense ratios — sits above the investor metrics you actually track, computed automatically across every door.
It's live the day you start, not after a weekend of setup. Long-term and short-term rentals live in the same ledger.
Drop in a statement — the AI writes the ledger
Owner packets, mortgage statements, and invoices are read straight into your books — vendor, amount, date, category, and the property they belong to.
Keystone IQ
Document-first. Drop in a PDF — an owner packet, a mortgage statement, a receipt photo, or your Airbnb CSV — and Keystone IQ writes the ledger entry for you: vendor, amount, date, category, and which property it belongs to. Then it shows live NOI, DSCR, cap rate, and a Portfolio Health Score across every door.
Best for: independent investors who'd rather review the numbers than enter them.
Stessa3
Stessa's free plan is a bank-feed ledger and expense tracker: it imports transactions and lets you categorize them. Keystone IQ adds AI extraction of PM owner packets and mortgage statements, plus short-term-rental metrics like ADR, RevPAR, and §280A tracking that bank-feed trackers don't typically advertise.
Best for: investors with 1–3 doors who don't mind manual bookkeeping and want a free plan.
Investment metrics like NOI, DSCR, cap rate, and the Portfolio Health Score are calculated from the transactions and leases you enter.4
The real difference is who does the data entry
Document AI vs a bank feed you categorize by hand
Stessa connects to your bank and leaves the categorizing to you — fine at one or two doors, but every owner packet, mortgage statement, and short-term rental you add is one more thing you're typing in by hand instead of reviewing.
Keystone IQ vs Stessa1
| Capability | Keystone IQ | Stessa |
|---|---|---|
| Data entry | AI reads your PDFs and owner packets; imports your Airbnb CSV | You categorize bank-feed transactions by hand |
| PM owner packets | Dedicated AI processor | Owner-packet extraction not advertised |
| Mortgage statements | Parsed → principal/interest split + amortization & equity | Automated parsing not advertised |
| Investment metrics | NOI, DSCR, cap rate, CoC + Portfolio Health Score | Income / expense reports |
| Short-term rentals | ADR, RevPAR, Occupancy, ALOS, §280A, Schedule E vs C | Per-night STR metrics not advertised |
| Tax export | CPA-ready Schedule E / Form 8825 / Schedule C | Tax-ready export files |
| Price | $4.99–$14.99/mo — the AI does the data entry | Free plan available; you categorize the bank feed yourself |
Data entry
PM owner packets
Mortgage statements
Investment metrics
Short-term rentals
Tax export
Price
Comparison basis: publicly available information as of July 2026 — verify current details on Stessa's own website.1
Switch to Keystone IQ if…
You want the software to do more of the work.
- You're tired of hand-entering owner packets and statements.
- You get monthly PM owner packets you currently re-type.
- You have a mortgage and want equity tracked automatically.
- You have — or are considering — a short-term rental.
Stick with Stessa if…
It's genuinely the right call for some investors.
- You have 1–2 doors, no PM packets, and don't mind manual entry.
- A free plan is all you need right now.
Switching starts from what you already have
No CSV gymnastics. Keystone IQ rebuilds your ledger from the source documents you already keep — statements, owner packets, receipts.
Drop in your PDFs
Historic bank statements, invoices, mortgage statements, and PM owner packets. The AI reads them and drafts your ledger.
Sync bank feeds
Connect your operating accounts and mortgages securely through Plaid for live transaction activity.
Confirm your properties
Add rents, leases, and (if you host) your Airbnb CSV. Forecasts and metrics build themselves.
Export for your CPA2
At tax time, generate a clean Schedule E / 8825 (or Schedule C) export in one click.
Common questions
Does Keystone IQ have a free plan?
No. Starter is $4.99/mo and Pro is $14.99/mo, with a 14-day free trial at launch and no credit card. Stessa advertises a free plan.1 The difference is where the data entry happens: Keystone IQ’s AI reads your statements and owner packets and drafts the ledger for you, which is what the subscription covers.
Can I import my data from Stessa?
There's no one-click Stessa importer today. The usual path is to drop your historic PDF statements and owner packets in and let the AI rebuild the ledger from those source documents, so you aren't re-keying history by hand.
How does Keystone IQ handle short-term rentals?
Keystone IQ computes ADR, RevPAR, Occupancy, and ALOS, tracks personal-use days against the §280A limit, and produces a Schedule E vs Schedule C starting point per property to review with your tax advisor.2 Per-night metrics like these aren't something we've seen advertised on free bank-feed trackers,1 so it's worth checking current features on any provider's own site.
Will the bank sync drop or duplicate transactions?
Imported bank activity is auto-added to your books and flagged for a quick category review — nothing is hidden, and likely duplicates are caught and merged.
Stop typing your portfolio in by hand.
Drop in your statements and owner packets and watch the ledger build itself. 14-day free trial, no credit card.
Comparing a specific tool?
Disclosures
- 1.Comparison basis. This comparison is based on our good-faith understanding of Stessa's publicly available marketing, published pricing, and product documentation as of the date shown (July 2026), and may be incomplete or out of date. Competitor features, pricing, and tiers change frequently and without notice — verify current details on Stessa's own website before making any decision.
- 2.Tax. Not tax advice. Consult a qualified tax advisor for your specific situation. Keystone IQ is a record-keeping and financial-organization tool, not a tax, accounting, legal, or financial advisor; any Schedule E, Schedule C, or Form 8825 output is a draft to review with your tax professional.
- 3.Trademarks. Stessa and all other product names referenced are trademarks of their respective owners. Their use here is nominative and does not imply any affiliation with, sponsorship by, or endorsement by them.
- 4.Investment metrics. For informational purposes only. Not investment, tax, or financial advice.