Feature: Loan Tracking
Kestrel calculates and matches your bank payments precisely for every loan type you carry. The days of manually splitting principal and interest payments are over.
Loan Setup & Calculation
Enter your loan once: rate, term, day-count convention, any interest-only periods. Kestrel builds the full amortization schedule and matches your bank's numbers exactly. Fixed, adjustable, floating, interest-only, and balloon are all supported.
Fixed and adjustable rate loans with custom rate schedules
Interest-only periods and balloon payment structures
Escrow tracking for taxes and insurance within mortgage payments
Automatic Payment Matching
When a loan payment hits your bank account, Kestrel finds it, links it to the right loan, and calculates the exact principal/interest split based on your amortization schedule (not anestimate.) The interest is expensed. The principal debits your loan balance. Your books stay current without a single manual entry.
Our matching engine finds payments even when descriptions vary
Interest automatically expensed to the correct Schedule E category
Principal applied directly to loan balance — balance stays accurate in real time
Works across all entities simultaneously
Portfolio-Wide Loan View
The loans table gives you a complete view across your entire portfolio: outstanding balances, current interest rates, upcoming maturity dates, and linked properties. Sort by balance, rate, or maturity. Spot refinancing opportunities. Stay ahead of balloon payments before they sneak up on you.
All loans across all entities and properties in one view
Outstanding balance updated automatically with each payment
Maturity date warnings — configurable lead time alerts
Equity calculation: current estimated value minus outstanding loan balance
Tax Preparation
At year-end, your total mortgage interest paid is already calculated. Kestrel has been tracking the interest/principal split on every payment across every loan all year. You can easily track principal paydowns, new credit draws, extra loan payments and more, across all of your properties.
Total interest paid per loan, per property, and per entity
Maps directly to tax schedules
Exportable as part of your standard NOI and cash flow report
Full audit trail — every payment matched to source transaction
How It Works
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Rate, term, start date, day-count convention, any special periods. Kestrel builds the full amortization schedule immediately.
Each month when the payment clears, Kestrel finds it in your connected bank account and links it to the loan.
The exact split is calculated against your schedule. Interest is expensed. Principal debits your loan balance. No manual entry.
Check your loan table anytime for an accurate remaining balance. At year-end, your interest figures are ready for your CPA.
Full platform access from $49/month
No per-entity fees
No long-term contracts
NOI and cash flow reports, pre-built. Export to PDF or CSV in one click.
Real-time cash flow across every bank account via Plaid.
Key dates, low balances, expiring leases — nothing slips.
Full amortization schedules. Payments matched and split automatically.
Quick-view tables with all the information you need for each property and entity. At your fingertips.
Check your property management reports for discrepencies. Never miss a detail.
Real estate portfolio management &
accounting software
Your data secured by Plaid.
Copyright 2026 Kestrel, LLC
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