App builder

A rental portfolio tracker
for what you own and what you owe.

Describe your rentals and Netiva’s AI builds a web app for properties, units, loans and monthly results — with equity and cash-flow summaries from the numbers you enter and code you own.

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Starter prompt

Build a rental portfolio web app for an investor with 14 doors in six properties held by two LLCs. Record each property’s entity, purchase date, all-in cost and my latest value estimate with its date and source. Record units with scheduled rent, market rent and status. Record loans with lender, type, rate, monthly principal and interest, balance, next rate change and maturity date. Each month I log rent collected, operating and capital expenses plus the month-end loan balance per property. Show portfolio totals for value, debt, equity and loan-to-value, plus net operating income, cash flow and DSCR per property. I sign in to see my numbers.

Build it in Netiva Paste the prompt into a new workspace and adjust it to your business.
Overview

Who this rental portfolio tracker is for

Once a buy-and-hold portfolio grows past a few doors, its numbers scatter. Loan balances arrive on statements from different servicers, rents sit in your property manager’s portal and your best guess at each property’s value lives in a spreadsheet last opened before the previous refinance. So every time a lender asks for a schedule of real estate owned, you rebuild it by hand. A rental portfolio tracker built with Netiva keeps properties, units, loans and monthly results together, so equity, loan-to-value and cash flow for each property stay current.

Key features

What your rental portfolio tracker can do

  • Properties, units and entities

    Each property records the entity that holds title, what you paid all in and its units, so you can sort the portfolio by LLC, market or property type instead of by whichever spreadsheet tab you opened last.

    • Units with bedrooms, scheduled rent, market rent and status
    • Occupancy and scheduled rent totaled per property and entity
    • A page per property with its units, loans and latest value
    • Loss to lease wherever market rent is above the rent you charge

  • Loans and a debt calendar

    Every mortgage sits under its property with the lender, rate, payment and the balance from your latest statement, and a scheduled job watches the dates that decide when you refinance. Reset and maturity dates come from your note.

    • Principal and interest kept apart from escrow
    • Loans sorted by next rate change, balloon or maturity date
    • Email alerts 180, 90 and 30 days before each date
    • Weighted average interest rate across the portfolio

  • Owner-entered values and equity

    You enter what you believe each property is worth, with the date and where the number came from. The app subtracts every linked loan balance to show equity and loan-to-value.

    • Value sources such as purchase price, refinance appraisal, broker opinion or your own estimate
    • Equity and loan-to-value per property, per entity and in total
    • Values older than 12 months marked for review
    • A saved view of properties above your target loan-to-value

  • Monthly results and cash flow

    Close each month with one form covering every property: rent collected, other income, operating expenses, capital work and month-end loan balances. Those totals become net operating income, cash flow after debt service and a coverage ratio.

    • Net operating income before loan payments and capital expenses
    • Debt service coverage ratio per property over the trailing 12 months
    • In Netiva’s collection grid, the assistant drafts each month’s rows for you to complete
    • Pages behind sign-in, so the numbers stay private
Data model

The collections behind it

Netiva keeps your records in built-in collections. Here’s a starting structure — the agent adapts it to your prompt, and you can change it any time.

Properties

Each building or home you own, with its owning entity, all-in cost and your latest value.

  • Address (required) Also used as the property’s name and page slug Text
  • Owning entity (required) Your own name or the LLC that holds title Text
  • Property type (required) Single-family, duplex, triplex, fourplex, condo or small multifamily Text
  • Purchase date (required) Date
  • All-in cost (required) Price plus closing costs and initial repairs Number
  • Owner value (required) Your latest estimate; not an appraisal Number
  • Value as of (required) Date
  • Value source (required) Purchase price, refinance appraisal, broker opinion or own estimate Text

Units

Every rentable door, with what it earns now and what it could earn.

  • Property (required) Relation to Properties
  • Unit label (required) Unit A, 2R, Upper…; a single-family home has one unit Text
  • Bedrooms Number
  • Scheduled rent (required) Monthly rent under the current lease, or asking rent while vacant Number
  • Market rent Your estimate of what the unit would rent for today Number
  • Status (required) Occupied, vacant, notice given or turnover Text

Loans

Each mortgage or note secured by a property, with the terms that drive refinancing decisions.

  • Property (required) Relation to Properties
  • Lender (required) The servicer named on your monthly statement Text
  • Loan type (required) Fixed, adjustable, interest-only or balloon; add the program after a slash: Fixed / DSCR Text
  • Interest rate (required) Current note rate, in percent Number
  • Monthly principal and interest (required) Leave out escrow; taxes and insurance count as operating expenses Number
  • Current balance (required) Copied from the latest statement Number
  • Next rate change Adjustable-rate loans only Date
  • Maturity date (required) Or the balloon date, if the loan has one Date

Monthly results

One row per property per month with the totals behind income, coverage, cash flow and debt paydown.

  • Property (required) Relation to Properties
  • Month (required) First day of the month Date
  • Rent collected (required) Number
  • Other income Parking, laundry, pet and late fees Number
  • Operating expenses (required) Taxes, insurance, repairs, management, owner-paid utilities and HOA dues; no loan payments Number
  • Capital expenses Roofs, HVAC, appliances and other replacements, kept out of NOI Number
  • Debt service paid (required) Principal and interest across the property’s loans, filled in from Loans Number
  • Ending loan balance Total owed across the property’s loans at month end, from your statements Number

Required field. Types are Netiva collection field types.

Screens

Pages and screens to start with

A typical first version. Ask the agent for more, or annotate the preview to change any of them.

  • Portfolio

    Total value, debt, equity and loan-to-value, with occupancy and trailing 12-month net operating income and cash flow, grouped by entity.

    Signed-in users

  • Property detail

    Units and their rents, linked loans, the latest owner value with its source and the last 12 monthly results for one property, with its coverage ratio.

    Signed-in users

  • Debt calendar

    Every loan sorted by next rate change or maturity date, with rate, balance, monthly payment and the property’s loan-to-value.

    Signed-in users

  • Units

    All doors across the portfolio with status, scheduled rent and market rent, filtered to vacant or below-market units.

    Signed-in users

  • Close the month

    Pick a month and fill in collected rent, other income, expenses and the month-end loan balance for each property; debt service comes from the loan payments.

    Signed-in users

  • Lender schedule

    A printable schedule of real estate owned with address, entity, value, loan balance, monthly payment and gross rent for each property.

    Signed-in users
How it works

From prompt to a live rental portfolio tracker

  1. List what you own and owe

    Tell Netiva how many properties, units, entities and loans you have. The agent drafts collections for properties, units, loans and monthly results and wires the summary pages to them.

  2. Enter balances and values

    Copy each balance from your latest servicer statement into the collection grid and add your value estimates. The collection assistant can tidy addresses and fill missing fields across many rows.

  3. Check the math against a known month

    Open a property in the live preview and compare its net operating income and cash flow with a month you’ve already worked out. Annotate any figure that’s off and the agent corrects the formula.

  4. Publish and close each month

    Publish in one click, then switch on the monthly reminder and loan-date alerts. Every change is checkpointed, so a formula edit that didn’t work out is easy to roll back.

Why Netiva

Netiva vs a traditional build

Building a rental portfolio tracker with Netiva compared with a traditional build
Criterion With Netiva Traditional build
Equity and loan-to-value Equity and loan-to-value recalculated whenever you log a new balance or value A spreadsheet rebuilt before each refinance, with balances copied from several servicer portals
Lender paperwork A printable schedule drawn from the same property, loan and rent records Retyping a schedule of real estate owned for every loan application
Getting started Describe what you need in chat and watch it take shape in a live preview Hire developers, or stitch together templates, plugins and a hosting plan
Content and data Built-in collections with nine field types, bound straight to your pages Set up and connect a separate database or CMS
Making changes Ask the agent; every change is checkpointed and reversible File a ticket, wait for a sprint, redeploy
Hosting and domain Global hosting and automatic SSL; connect a custom domain from the Starter plan Buy hosting, then install and renew SSL certificates yourself
Code ownership Clean production code you own and can export Locked into a template, plugin or agency setup
Examples

Ways teams use it

  • An investor with nine single-family rentals

    Loans from four servicers include two adjustable-rate mortgages. The debt calendar shows which one resets first, and its property page shows the current coverage ratio, so the refinance conversation starts early.

  • An owner of two 12-unit buildings

    Unit status and market rent show where vacancy and below-market leases are holding back net operating income, the figure the owner watches most closely before talking to the bank about new terms.

  • An asset manager for a family’s LLCs

    Properties are held across three entities. The portfolio page groups equity and cash flow by entity, and the lender schedule prints the holdings of whichever LLC is applying for the next loan.

Good to know

Before you build

  • Figures are estimates, not advice

    Equity, loan-to-value and cash flow come from the values and amounts you enter. They aren’t an appraisal or a lending decision; a lender sizes a new loan on its own appraisal and rules, which can differ from your numbers.

  • Balances come from your statements

    Netiva doesn’t link to your servicer or bank for you. Enter balances from monthly statements, or connect a provider that offers an API you can use with your own key. A statement balance beats a projected amortization schedule, which drifts with extra payments.

  • Partners see the whole portfolio

    Netiva apps put pages behind sign-in, but not per-role permissions. A partner or asset manager you invite sees the same properties, loans and monthly results you do, so send partner-specific numbers as a printed or emailed summary instead.

  • Books and taxes stay separate

    The monthly totals here are summaries. Transaction-level bookkeeping, depreciation and Schedule E reporting belong in your accounting software and with your tax preparer.

Compliance note

Equity, loan-to-value, net operating income and cash-flow figures in this app are estimates built from the values, balances and amounts you enter. They aren’t an appraisal, a lending decision or financial advice. Say so on any page or printout the app produces for someone else, such as a lender schedule or a partner summary.

FAQ

Questions about building a rental portfolio tracker

How does the rental portfolio tracker work out equity and loan-to-value?

For each property, the app subtracts the current balance of every linked loan from the value you entered, then divides total debt by that value for loan-to-value. Portfolio totals add up all properties before dividing, so a large building counts for more than a condo. Each value shows its date and source, and a lender will still rely on its own appraisal.

Can the app pull loan balances straight from my servicer?

Netiva apps can call REST APIs with keys stored securely, so a balance feed is possible if your servicer or a data provider you already use offers one. Otherwise, a scheduled email reminds you each month to copy balances from your statements, and the debt calendar and equity figures update as soon as you save them.

Should the escrow part of my mortgage payment count as debt service?

No. Escrow is money your servicer collects to pay property taxes and insurance, so the app records those costs as operating expenses and treats only principal and interest as debt service. Keeping them apart stops taxes and insurance from being counted twice and keeps net operating income comparable from one month to the next.

How is DSCR calculated for each rental?

The app divides net operating income — rent and other income minus operating expenses — by the principal and interest paid over the same trailing 12 months. Above 1.0 means the property covered its loan payments. That’s the commercial convention; a residential DSCR-loan lender usually divides gross rent by PITIA — principal, interest, taxes, insurance and association dues — so ask the agent for that ratio alongside it, and for one that deducts a replacement reserve if your lender does.

Is a portfolio tracker different from property management software?

Yes. A rental portfolio tracker works at the owner level: what each property is worth, what you owe on it and what it earned each month. Tenant screening, leases, rent collection and maintenance requests stay in your property management software or a separate property management app, and you enter each property’s monthly totals here.

Who can see my portfolio numbers once the app is live?

Everything sits behind sign-in. Netiva doesn’t give the app per-role permissions, so a partner you invite signs in to the same portfolio records you see — keep anything partner-specific to a printed or emailed summary. You can start on Netiva’s free plan and check the whole thing in the live preview; custom domains come with the Starter plan and up. Every change is checkpointed, and you can export the code whenever you like.

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Drafted with AI assistance from Netiva’s product pages and reviewed by the Netiva team. Example data models, screens and prompts are illustrative starting points, not customer projects.

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