Overview

Baselane is what happens when a fintech company builds for landlords instead of a property management company adding financial features. The platform centers on integrated banking: FDIC-insured checking and savings accounts, property-level sub-accounts, virtual debit cards, and up to 2.63% APY on deposits. The bookkeeping and tax preparation tools are built on top of these banking accounts, which means transaction data flows automatically without manual imports.

The result is the most financially sophisticated platform in the budget tier, but notably not a full property management solution. There is no tenant screening, no maintenance tracking portal, and no listing syndication. Baselane handles the money side of landlording better than anyone else and leaves the rest to complementary tools.

Features Deep-Dive

Integrated Banking for Landlords

Baselane's banking accounts are purpose-built for real estate investors. Each property gets its own sub-account, which creates clean financial separation for security deposits, operating funds, and reserves. This separation is not just organizational: it simplifies compliance in states that require security deposits held in separate accounts.

The accounts are FDIC-insured through partner banks, support ACH transfers, and include virtual debit cards tied to specific properties. The up to 2.63% APY on savings accounts means your reserve funds and security deposits earn interest while sitting idle. No other property management platform offers this level of banking integration.

AI-Powered Bookkeeping and Tax Reports

Transactions in Baselane banking accounts are automatically captured, categorized with AI assistance, and matched to receipts. The system generates Schedule E tax reports, P&L statements, and property-level financial summaries. Because all financial activity flows through Baselane accounts, the data is inherently complete, eliminating the bank feed sync issues that affect tools relying on Plaid connections.

The receipt matching feature uses AI to associate uploaded receipts with transactions, reducing the manual matching that consumes time during tax preparation. For landlords who run all property finances through Baselane, year-end tax preparation becomes significantly faster.

Property-Level Financial Separation

The sub-account structure is the practical differentiator. A landlord with 5 properties has 5 checking accounts and 5 savings accounts, each showing its own income, expenses, and balance. Owner distributions, maintenance expenses, and rent deposits are all clearly separated by property. This level of organization, while achievable manually with spreadsheets, requires significant effort that Baselane automates.

Pricing Analysis

Baselane's Core plan is free and includes unlimited banking accounts, rent collection, expense tracking, and basic bookkeeping. The Plus plan at $20/month per property adds advanced features like AI categorization, receipt matching, and priority support.

The free tier is genuinely useful and covers the core banking and bookkeeping functionality that makes Baselane unique. For landlords who primarily need account separation, rent collection, and basic financial tracking, the free plan is sufficient indefinitely.

The Plus plan's per-property pricing follows the same model as Landlord Studio: affordable for small portfolios, expensive at scale. At 10 properties, Plus costs $200/month, which is more than most full-featured property management platforms. The value justification depends on whether the integrated banking and AI bookkeeping save enough time and tax preparation costs to offset the premium.

Who Is This For?

Baselane works best for:

• Real estate investors (1-10 properties) who want dedicated banking accounts per property with financial separation and competitive APY
• Tax-conscious landlords who need automated transaction categorization and Schedule E report generation
• Landlords who commingle funds and need a structural solution to separate property finances, security deposits, and operating accounts
• Buy-and-hold investors building portfolios who want their reserve funds earning interest while maintaining instant access

Who Should NOT Use This

Baselane might not be the right choice if:

• You need a complete property management platform because Baselane lacks tenant screening, maintenance tracking, listing syndication, and the tenant-facing features that platforms like Buildium or TurboTenant provide
• Mobile access is important since Baselane does not have a native mobile app as of early 2026, requiring browser-based access on phones
• You manage 15+ properties where the per-property pricing on the Plus plan becomes more expensive than full-featured property management platforms with flat-rate pricing

Bottom Line

Baselane is the best financial platform for landlords who want banking, bookkeeping, and tax preparation in one integrated system. The property-level sub-accounts, competitive APY, and AI-powered categorization address the money management pain points that general property management tools handle poorly. Pair it with a free property management platform like TurboTenant or Innago for a comprehensive, cost-effective stack.

FAQ

Is my money safe in Baselane accounts?

Yes. Baselane banking accounts are provided through partner banks and are FDIC-insured up to $250,000 per depositor per bank. The accounts function as standard banking accounts with the same protections as any bank deposit.

Can I use Baselane alongside another property management platform?

Yes, and many landlords do. Baselane handles the financial layer (banking, bookkeeping, tax reports) while a separate property management tool handles tenant-facing operations (screening, maintenance, listings). Common pairings include Baselane plus TurboTenant or Baselane plus Avail. Rent collection can flow through either platform.

How does Baselane compare to Landlord Studio?

Landlord Studio offers superior automated bookkeeping with bank feed imports, OCR receipt scanning, and AI categorization from external bank accounts. Baselane offers integrated banking with property-level accounts and competitive APY. If you want to keep your existing bank accounts and add better bookkeeping, choose Landlord Studio. If you want purpose-built landlord banking with built-in financial tools, choose Baselane.

Does Baselane charge for rent collection?

Rent collection is free on the Core plan for ACH payments. There are no per-transaction fees for ACH rent deposits into Baselane accounts. Credit card payments (if offered to tenants) may carry processing fees. This fee structure makes Baselane one of the more affordable rent collection options in the market.