Real Estate
Per-property trust and operating accounts, embedded tenant security deposits, property and landlord liability coverage, and marketplace payouts to owners — multi-entity finance built into one platform.
For real-estate finance teams
Real estate is a multi-entity discipline — each property is its own ledger with its own trust account, operating account, and insurance policy. Theorem provisions per-property accounts under the BaaS bank charter, tags every transaction to the right sub-ledger, and tracks state-specific trust and security-deposit rules automatically.
Tenant onboarding generates a per-tenant security deposit account compliant with state law and offers renters insurance inside the rent payment workflow. Property and landlord liability coverage underwrites against the asset register. Marketplace payouts to owners and partners run on schedule with full ledger reconciliation.
Value
Three pillars
Built for property-level finance.
Multi-entity ledgers, per-property accounts, embedded tenant flows — built into the platform.
Per-Property Banking
Trust and operating accounts provisioned per property under the BaaS bank charter. State-specific trust rules and FDIC coverage tracked automatically across the portfolio. Every transaction tagged to the right sub-ledger.
Tenant Deposits & Renters Insurance
Per-tenant security deposit accounts compliant with state law issue at lease signing. Renters insurance offered inline within the rent payment workflow. The legal compliance and the up-sell, both built in.
Multi-Entity Ledger & Owner Payouts
Property-level P&L and balance sheet roll up to portfolio reporting in real time. Owner and partner distributions disburse on schedule via ACH or RTP, with full ledger reconciliation. Property and landlord liability coverage underwrites on the asset register.
Agents in action
Property finance, end to end.
Agents that provision per-property accounts, onboard tenants, bind coverage, and pay owners — with full audit trails on every event.
Closing day, automated
A new property triggers trust and operating account provisioning, tenant onboarding workflows, and insurance binding agents that resolve in parallel — closing day to operational without a checklist.
Portfolio that learns itself
Every lease, deposit cycle, and renewal feeds back into the model. Tenant insurance attach rates and property pricing improve over time.
Encode property structures, state trust rules, lease terms, and asset registers into structured signals.
Tune insurance and tenant offers to your portfolio mix — multifamily, single-family, commercial, mixed-use.
Provision accounts, onboard tenants, bind coverage, and pay owners with full audit logging.
Each lease cycle and renewal sharpens insurance attach and owner payout accuracy.
Property-level finance, unified.
See how Theorem turns each property into its own operational ledger without the multi-system overhead.