Stessa makes it easy to track your mortgages and loans, whether you connect them automatically or enter the details manually. Accurate setup keeps your dashboards showing the right loan-to-value ratios and debt totals.
Option 1: Connect Your Mortgage Automatically
Go to Properties and click the property you’re connecting a mortgage for.
Select Financials & Assets, then click Add on the Mortgage card.
Select Connect bank account.
Click + Add Bank and search for your lender.
Select the correct result, enter your login credentials, and follow any verification steps.
Wait while Stessa authenticates and establishes a secure connection.
After Connecting
Some lenders only provide basic data, like the balance and payment amount. After connecting, double-check the information and add any missing details:
On the Mortgage card, click the three dots and choose Edit.
Review and update the details. It's very important that the Original Loan Amount has a value.
Note: It may take up to 24 hours for mortgage payments to appear in your transactions. If you still don’t see data after that, your lender may only provide basic info like the current balance.
Tip: If your lender doesn’t provide payment data, connect the bank account you pay the mortgage from. Stessa will import the outgoing payments so you can categorize them as "Mortgage Payment."
Option 2: Add Your Mortgage Manually
If your mortgage can't be connected automatically, you can still track it manually.
Go to Properties and click the property you’re adding a mortgage for.
Select Financials & Assets, then click Add on the Mortgage card.
Select Add Manually.
Enter your mortgage info:
Lender
Account Name
Account Number
Current Principal Balance
Original Loan Amount (used for Cash-on-Cash Return)
Origination Date
Interest Rate %
Amortization
Term
Monthly Payment
Whether the payment includes insurance and/or property taxes
Make sure the Original Loan Amount field has a valid value. Stessa uses it to calculate the denominator for your Cash-on-Cash Return. If it’s left empty, the metric assumes the property was purchased with all cash.
Avoiding Duplicate Transactions
If both the mortgage account and the payment account are connected:
Stessa tries to detect and suppress duplicates by marking one side as a Transfer.
Transfers don’t affect reports or cash flow.
Still seeing duplicates? Contact support through the messenger in the bottom-right corner. For more on splitting mortgage payments, see How to Split & Categorize Mortgage and Escrow Payments.
Portfolio Loans (One Loan for Multiple Properties)
Stessa doesn’t yet support loans tied to multiple properties. As a workaround:
Manually allocate the total loan across your properties.
Update principal balances quarterly or annually to reduce manual tracking.