Stessa is free to get started and offers two optional premium plans, Manage and Pro, designed for landlords and investors who want more advanced tools for banking, reporting, rent collection, and leasing.

Compared to the free Essentials plan, subscription plans include:

Yes. Stessa Essentials is free and includes everything you need to get started with Stessa, from asset management to accounting and banking.

When you upgrade, Stessa calculates a prorated charge based on the cost of the new plan and the remaining time in your current plan.

Note: Upgrades can be made on the web or in the iOS app. Android upgrades aren’t currently supported, but once you’re subscribed, Pro features are available on all platforms. If any issues come up with prorated billing or the upgrade process, our support team can help.

Once your payment is processed, features are unlocked instantly. You may need to refresh your browser to see them.

You can pay using:

Payments are managed on the Settings > Subscriptions page. All plans renew automatically unless canceled in advance.

Cancellations take effect at the end of your current billing cycle. No partial refunds or prorated credits are issued for cancellations. If you’ve prepaid for a higher-tier plan, your benefits remain active until the subscription’s original expiration date.

Your data, including custom portfolios, stays intact. After your subscription ends:

When you invite collaborators to a portfolio you own, they only get the paid features enabled for that specific portfolio through your subscription. This doesn’t give them full Pro features for their own Stessa account and portfolios.

Depending on the role you assign, collaborators can: add, edit, and delete Tenants, Properties, and Maintenance Tasks; create Listings; screen Applicants; create and send Leases; view Reports; and add, edit, and delete Transactions assigned to properties in that portfolio.

Before you invite someone as a Manager: a Manager can create and send a lease for your properties, and can be named as the landlord on that lease in their own name.

Your shared subscription gives collaborators access to subscription-only reports at the portfolio level, limited to the portfolio you invited them to. To use subscription features in portfolios they own or are invited to by others, collaborators need their own subscription.

Not all tools or features are shared. Some remain exclusive to the portfolio owner.

Stessa is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Stessa Cash Management Visa® Debit are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted.

Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. Please contact customerservice@thread.bank with questions on the sweep program.

Essentials is a free plan and Manage and Pro are premium plans. For Stessa/Roofstock customers with an interest-bearing deposit account in the Non-Pro or Pro Category, the interest rate and Annual Percentage Yield (APY) are dependent on the previous month’s aggregate month-end ending balances under a single login, as well as your subscription level (Non-Pro: Essentials or Manage; or Pro) and account tier with us. The rates are effective as of 09/17/2026, are variable and subject to change after account opening. Fees may reduce earnings.

Non-Pro Category:

For Essentials or Manage users, the following rates will apply:

Pro Category:

For Pro users, the following rates will apply:

No minimum balance or opening deposit required. Fees could reduce earnings on the account. Account holders can earn 1.10% cash back on debit card purchases. Cash back earned each month will be credited to your account by next month's statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards. No minimum opening deposit and no minimum balance requirements. Terms and eligibility requirements apply.