A 0–100 health score for every property.

It's a weighted blend of five factors computed from your own ledger and leases: Operating Efficiency (30%), Debt Coverage (25%), Lease Stability (20%), Rent vs Market (15%), and Maintenance Health (10%). Next to each grade sits the number behind it: an expense ratio, a debt coverage ratio, a lease countdown, a dollar gap to market, a repair count from the trailing 60 days. The score always traces back to something you can check.

One of the five factors moved, and the breakdown names which one. A lease that just crossed the renewal-risk window, a debt coverage ratio that slipped, or a cluster of repair entries each show up as a lower number on that specific factor, rather than a single unexplained change to the overall grade.

No. A property gets a 6-month grace period from its purchase date: its Operating Efficiency and Debt Coverage factors are floored at a neutral 75, so early one-time costs like make-ready repairs can't drag the grade down while the property is still settling in.

Yes. The Portfolio Health Breakdown lists each property with its own score and the same five graded factors underneath: the same expense ratio, coverage ratio, lease countdown, market gap and repair count, property by property. The portfolio grade at the top is the roll-up of those cards, not a separate number computed somewhere else.

It shows its work. A rent-gap alert names how many tenants sit below market and what that adds up to over a year, then lists a few options to weigh: revisit rent against comparable local listings at renewal, check for local rent-control or stabilization limits, or weigh a longer lease term against turnover risk. It never tells you which one to pick.

No. Closing a rent gap moves the same Rent vs Market factor already in the breakdown, computed the same way, so the grade and the suggestions underneath it always read from one set of numbers. Where an insight shows a “+N Health” chip, that number is the change to this score, not a separate rating.

No. The Portfolio Health Score and its insights are Pro features. Starter includes the live investment metrics underneath them (NOI, cap rate, cash-on-cash and more); the graded score and the flagged opportunities are part of Pro.

No. Every insight explains what changed and lists a few options to weigh, rather than a specific instruction. Decisions about your portfolio are yours to make; Keystone IQ surfaces the numbers and the reasoning behind them.