Richify is the free AI-powered real estate portfolio tracker with built-in intelligent insights. Track your properties, analyze cash flow, and get personalized observations — all in one app.
Evaluate potential deals and identify red flags before you buy. Richify analyzes the numbers and shows you whether a property meets your investment criteria.
Rebalance your holdings for better returns. Richify identifies underperformers, surfaces improvement ideas, and helps you think about where capital works hardest.
Understand trends and timing. Richify helps you interpret how market conditions affect your portfolio and whether the timing is right for buying, selling, or holding.
Learn about depreciation schedules, 1031 exchanges, cost segregation, and other tax concepts that real estate investors commonly explore.
Map your path to financial independence through real estate. Richify projects how your portfolio could grow and what milestones to hit along the way.
Evaluate your leverage ratios, concentration, and diversification. Richify highlights potential vulnerabilities in your portfolio before they become problems.
Enter your properties, mortgages, rent, and expenses into Richify. Your data stays private and encrypted — no bank linking required.
Type your question in plain language. Whether you want to evaluate a deal, optimize your portfolio, or understand a tax concept, just ask.
Richify runs the financial models against your portfolio and returns clear, data-backed observations with specific numbers and suggested next steps.
Should I refinance my duplex?
Based on your current mortgage at 7.2% and today's rates around 6.1%, Richify estimates that refinancing your duplex could save you approximately $280/month. With $4,200 in closing costs, your break-even point is 15 months. Since you plan to hold this property for at least 5 more years, Richify flags this as a strong refinance candidate that would improve your cash-on-cash return from 6.8% to 8.4%.
Which property is my weakest performer?
Looking at your Richify portfolio, the condo at 118 Pine Ave has the weakest metrics: 3.2% cap rate, negative cash flow of $180/month, and only 2.1% annual appreciation. Your other properties average a 6.5% cap rate with positive cash flow. Richify highlights that this property may be worth reviewing, since the equity could potentially be redeployed into a higher-yielding asset.
Am I over-leveraged?
Richify calculates your current loan-to-value ratio across all properties at 78%, above the conservative 65-70% threshold that is commonly referenced. Your debt service coverage ratio is 1.15, meaning your rental income barely covers your debt payments. Richify highlights this as an elevated leverage profile that you may want to review before taking on new acquisitions.
Richify is not a generic chatbot that parrots investment cliches. It is a full real estate portfolio tracker backed by real financial models that calculate cap rates, cash-on-cash returns, debt service coverage ratios, and internal rates of return using your actual portfolio data. When Richify highlights a refinancing scenario, it has already run the break-even analysis. When it flags a property, it has compared that property's performance against every other holding in your portfolio.
This combination of AI reasoning and quantitative financial modeling means Richify can handle nuanced questions that require both context and computation. It understands that a 5% cap rate in San Francisco is very different from a 5% cap rate in Memphis, and it factors in your specific goals, timeline, and risk tolerance when surfacing insights.
Explore your portfolio analytics in the Property Analytics dashboard, or manage all your holdings with the Real Estate Portfolio Tracker.
Track your real estate portfolio and get personalized AI insights whenever you need them. Start with a free trial on iOS or Android.
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