SheltrIQ vs Stessa
Both are free tools for landlords, but they take very different approaches. Stessa focuses on basic bookkeeping. SheltrIQ focuses on AI-powered tax intelligence.
| Feature | SheltrIQ | Stessa |
|---|---|---|
| Price | Free | Free (paid tiers available) |
| AI Expense Classification | Yes — auto-classifies to Schedule E lines | No — manual categorization only |
| Schedule E Report | Full 19-line report with PDF export | Basic tax summary only |
| Depreciation Tracking | 13 asset types, MACRS mid-month, auto-setup | Basic — stores docs only |
| Cost Segregation Estimator | Built-in calculator | No |
| 1031 Exchange Tracker | 45/180 day deadlines, gain deferral | No |
| REPS Hour Logger | 750hr threshold, 14 activity types | No |
| Tax Health Score | 5-check AI scoring with savings estimate | No |
| Mileage Tracker | $0.725/mi, round trip, purpose log | No |
| Home Office Calculator | Simplified + regular method | No |
| Bank Sync | OFX/CSV import + SimpleFIN auto-sync | Plaid bank sync |
| Tenant Management | Full CRUD + portal + maintenance | No |
| Receipt Scanning | AI vision (Ollama) | Yes |
| Banking Products | No (focus on tax tools) | Cash Management (2.31% APY) |
| Privacy | Self-hosted AI, no data sharing | Owned by Roofstock (RE marketplace) |
Choose SheltrIQ if you want...
- + AI-powered expense classification
- + Complete Schedule E report generation
- + Depreciation, cost seg, 1031, REPS tracking
- + Privacy-first (no data sold to RE marketplaces)
- + Tenant management + portal
Choose Stessa if you want...
- + Real-time Plaid bank sync
- + High-yield cash management accounts
- + Integration with Roofstock marketplace
- + Simple, established platform
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