Stessa is passive accounting.
Loqqit runs active operations.
They’re shaped for different landlords. Stessa is the best free tool if you want bank-sync bookkeeping and don’t need to run rent collection, maintenance, or vendors inside the platform. Loqqit is for landlords who do.
What you actually pay each month
| Tier | Stessa | Loqqit |
|---|---|---|
| Free | $0 · unlimited properties | $0 · 3 properties |
| Pro / paid | ~$12/mo (Stessa Pro) | $19/mo · 10 properties |
| Premium / Growth | ~$28/mo (Stessa Premium) | $39/mo · 25 properties + team |
Stessa Free really is free for unlimited properties — that’s their biggest advantage. Loqqit Free caps at 3 properties; you’re paying us when your portfolio has enough activity to need rent collection, vendor coordination, and 1099-NEC reporting in one place. Stessa pricing approximate per their public site.
Different shapes, side by side
| Capability | Stessa | Loqqit |
|---|---|---|
| — Passive accounting (Stessa wins) — | ||
| Free for unlimited properties | ✓ | — (free up to 3) |
| Bank account sync via Plaid (auto-pull transactions) | ✓ | — (manual or OCR) |
| Mortgage / loan tracking | ✓ | — |
| Property valuation tracking | ✓ (Roofstock data) | — |
| Net worth / portfolio dashboard | ✓ | Basic |
| — Bookkeeping fundamentals (both do these) — | ||
| Categorized expense ledger | ✓ | ✓ |
| Schedule E report | ✓ | ✓ (one-click PDF) |
| Receipt scanning / OCR | ✓ (Pro tier) | ✓ (Pro tier) |
| Document storage | ✓ | ✓ (Pro tier) |
| Mobile app | ✓ (iOS + Android) | Mobile-friendly web |
| — Active operations (Loqqit wins) — | ||
| Stripe Connect rent collection (in-platform) | Limited | ✓ |
| Maintenance request tracking with photos | — | ✓ |
| Vendor directory with autocomplete | — | ✓ (Growth) |
| 1099-NEC year-end PDF + W-9 storage | — | ✓ (Growth) |
| Magic-link vendor quote workflow | — | ✓ (Growth) |
| Lease renewal reminders (90/60/30-day) | — | ✓ |
| CSV bulk import (properties, tenants, leases) | Limited | ✓ |
| Tenant portal with payment history | Limited | ✓ |
| Two-factor auth | ✓ | ✓ |
Which one actually fits
Pick Stessa if…
- You want zero-cost bookkeeping with bank sync — Stessa pulls transactions from your bank automatically and that’s genuinely best-in-class for free.
- You don’t collect rent through the platform — your tenants pay by check, Zelle, or another tool, and you just need the books clean at year end.
- You care about mortgage / loan tracking and portfolio valuation (Roofstock-backed data is real and Loqqit doesn’t do this).
- You have unlimited properties and don’t want a per-tier cap.
Pick Loqqit if…
- You collect rent in-platform — Stripe Connect ACH/cards, late fees, autopay, the full ledger tied to each lease.
- You dispatch maintenance — request photos, status lanes, vendor directory, magic-link quote requests with side-by-side comparison.
- You issue 1099-NECs to contractors — W-9 storage per vendor, year-end PDF worksheet flagging everyone over $600.
- You want one tax-ready ledger that captures rent, expenses, AND contractor payments — not three tools stitched together.
Stessa is the right pick if you treat your portfolio as a passive investment and just need clean books. Loqqit is the right pick if you actively run your portfolio — collecting rent, dispatching maintenance, paying contractors — and want all of that in the same ledger that produces your Schedule E.
Run your portfolio in one ledger.
Free for your first 3 properties. No card required. Move your data over with the built-in CSV import — usually 10 minutes from signup to seeing your rent roll.