Rental management software with rent account & dunning
Torch Real Estate is a rental management software that lets landlords and managers run tenancies fully digitally: leases, a rent account with charged/paid, AI bank matching, multi-stage dunning with default interest per § 288 BGB, plus deposits and rent increases. You always see who has paid — and communication runs via email and Telegram.
- AI bank matching
- Default interest § 288 BGB
- GDPR-compliant
Everything around rent, payment and arrears
Torch Real Estate's rental management maps the full payment cycle — from automatic charging through AI bank matching to compliant dunning.
Rent account: charged/paid per contract
Monthly charges created automatically, actual payments alongside — paid, open or overdue at a glance, no manual bookkeeping.
AI bank matching
Import the statement, match payments automatically — with dedupe against double bookings and drilldown to the single transaction.
Multi-stage dunning (§ 288 BGB)
Reminder, first and second notice with correct deadlines, FIFO allocation and default interest — manual or opt-in automation.
Deposit management (§ 551 BGB)
A separate ledger covering payment, interest entries, retention and refund — with a warning when the three-net-rents cap is exceeded.
Rent-increase assistant
Comparative rent (§ 558), modernisation (§ 559) and stepped/index rent (§§ 557a/557b) — with a finished letter as PDF.
Digital lease & e-signature
Generate the lease from your data, signed digitally by landlord and tenant — including AI extraction of existing contract PDFs.
SEPA direct debit (pain.008)
Collect rent including operating-cost prepayments as a SEPA direct-debit file — compatible with the pain.008 standard.
Multi-channel communication
Reminders and notices reach tenants via email and Telegram — bundled in the tenant portal.
For private landlords and property managers
Private landlords
Instead of reconciling bank statements against a spreadsheet, the rent account shows you immediately who transferred the rent. Arrears surface before they become a problem — and the reminder goes out automatically if you want.
Property managers
With hundreds of tenancies, daily charging and opt-in dunning take over the routine. Default interest per § 288 BGB, FIFO allocation and a clean statement drilldown keep the accounting auditable.
Understand payments, don't just record them
The difference is in the matching: Torch Real Estate assigns bank payments to the right receivables via AI — even with terse references — and allocates partial payments FIFO. The balance per contract stays correct, and dunning only chases who is genuinely open.
On top come the legal foundations out of the box: default interest per § 288 BGB, deposit per § 551 BGB and the rent-increase assistant for §§ 558/559/557a/557b BGB. All GDPR-compliant, hosted in Frankfurt, with strict tenant isolation.
From €9.99 a month — 30 days free
Pricing is based on unit count and starts at €9.99 a month. You get a 30-day free trial, no payment details required. You only add a payment method if you carry on afterwards. Details on the pricing page.
Frequently asked questions
- What is rental management software?
- Rental management software runs everything around the tenancy: tenants and leases, the rent account with charged and paid positions, incoming payments, dunning, deposits and rent increases. Torch Real Estate matches bank payments automatically via AI and always shows who has paid and who is in arrears.
- How does automatic dunning work?
- The rent account detects overdue receivables and escalates in stages: payment reminder, first and second notice. Arrears are allocated FIFO, default interest for residential leases is calculated per § 288 (1) German Civil Code (base rate + 5 points, to the day), and the notice is delivered via email or Telegram. Automatic dunning is opt-in so no notice goes to a tenant who has already paid.
- Can I manage the deposit compliantly?
- Yes. Deposit management follows § 551 German Civil Code: a separate ledger per contract covering payment, interest entries, retention and refund — you record the interest amounts from the deposit account, and the app warns when the three-net-rents cap is exceeded.
- Does the software support rent increases?
- Yes. The rent-increase assistant covers the comparative rent (§ 558 BGB) with capping limit, modernisation (§ 559 BGB) and stepped/index rent (§§ 557a/557b BGB), and generates the finished increase letter as a PDF.
- Are bank payments matched automatically?
- Yes. You import the bank statement and the AI matches payments to open receivables — with dedupe against double bookings and drilldown to the individual transaction. You immediately see the balance per contract.
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Rent account under control — from today
Add your first lease and see the rent account work in minutes. 30 days free — no payment details required, cancel any time.
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