Property management software for your portfolio
Property Management Software for Landlords: what do investors actually need?
Rent collection, lease tracking, maintenance, and owner reporting software for real estate investors — the records underwriting asks for on portfolio files. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Rent collection, lease tracking, maintenance, and owner reporting software for real estate investors — the records underwriting asks for on portfolio files.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
Why you need property management software
When you refinance, pull cash out, or roll several doors into a portfolio loan, the file comes down to documentation: leases, rent rolls, and proof rent is actually being collected. Investors tracking this in a spreadsheet spend weeks rebuilding it. Software produces the same reports in a few clicks.
Portfolio and cash-out files ask for a current rent roll and executed leases per unit. Having them exportable saves real time.
Deposit history tied to each lease supports the rental income used in DSCR underwriting.
Clean expense tracking makes your CPA's job easier and gives you a true picture of net cash flow per property.
Manual tracking breaks down as the portfolio grows. Setting the system up early is much easier than migrating later.
Records investors are asked for
- Current rent roll across every door you own
- Executed leases with term dates and rent amounts
- Rent receipt history for seasoning and DSCR support
- Operating expense tracking by property
- Maintenance and turnover history
- Owner statements and year-end reporting for your accountant
How it works
- 1
Add your properties, units, and current leases.
- 2
Turn on online rent collection so payments and deposits are recorded automatically.
- 3
Export the rent roll and owner statements when you apply for your next loan.
Simply Approved Mortgages LLC is a mortgage broker — not a direct lender, law firm, tax advisor, insurance agency, bank, or title company. The partners listed here are independent companies that set their own pricing, terms, and eligibility. We may receive compensation if you open an account or purchase a service through these links, at no additional cost to you. Using a partner is never required to apply for or receive financing with us, and it does not affect your loan terms. Please do your own due diligence and consult your own attorney, accountant, and insurance professional.
How We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
Pick a loan type
You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.