The Ledger
9-5 Exit Real-Estate Portfolio
Log your rental properties once. The ledger projects your real cash flow — through refinances, rent increases, and thirty years of amortization — and checks it against your paycheck every month, automatically.
You already track your rent roll in a spreadsheet. It doesn't tell you when you can quit. This does — recalculated automatically, every time your portfolio changes.
You're not filling out a mortgage calculator. You're building the one number that tells you when your portfolio can take over your paycheck.
Purchase price, mortgage, rent, taxes, insurance. Ten minutes for your whole portfolio — not a weekend rebuilding a spreadsheet.
Actual amortization, rent growth, appreciation, and refinance cycles — projected out to 2055, recalculated the moment you change a number.
Tell the ledger what your paycheck actually is. It checks your rising rent roll against it — no spreadsheet formulas required.
Every year your portfolio grows, your replacement percentage climbs with it. You'll see exactly which year it crosses 100%.
The same engine that runs your projections runs your stress tests, your refinances, and your depreciation schedule — so nothing you see is a guess.
Total value, equity, cap rate, and portfolio DSCR — every property in one view, updated the instant you edit a number.
Equity and cash flow charted out through 2055, so "someday" turns into an actual year on a chart.
Model a mild, moderate, or severe rent drop and see which properties' coverage ratios hold — before a bad year finds out for you.
Simulate cash-out refinances and reinvestment into new properties automatically, as equity crosses your threshold.
Know your paper losses for every property, every year — before your accountant has to ask you for them.
Your ledger lives on your account, not your browser. Open it from your phone, your laptop, wherever the deal comes up.
Upgrade only once you're ready to add more than that.
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No. The ledger runs the math on the numbers you enter — rent, mortgage, expenses. It doesn't tell you what to buy, sell, or refinance. That call stays yours.
The Unlimited plan removes the property cap entirely for $50/month. You can upgrade the moment you need to, right from your account.
Yes. Every property, projection, and paycheck number is scoped to your account only — no one else's login can see it, by design.
Yes, from inside your account, whenever you want. No contracts, no phone call required.
No. If you know your rent, mortgage payment, and expenses, the ledger runs the projections, stress tests, and depreciation schedule for you.
Start free, add your properties, and see your own exit date — not a stranger's example.
Start Free — Build Your Ledger