For global manufacturing in the era of artificial intelligence (AI) transformation, the digital factory model pairs an ideal of greater throughput, supply chain efficiency, and resilience with reduced waste and machine downtime, all built to withstand macroeconomic and regulatory pressures.
But manufacturing transformation depends on a company’s digital maturity: Its ability to execute on business priorities directly correlates to how connected and digitized its systems are. And many organizations with low digital maturity struggle to overcome operational chaos. Their roadblocks might include legacy operations and infrastructure handling siloed data, uncoordinated teams, and manual processes that inhibit growth.
An upgrade to connected data platforms—supported by specialized expertise across the design and manufacturing global landscape—can help manufacturers connect workflows at the plan, design, build, and operate stages.
By linking their engineering, construction, and manufacturing operations on one platform, these digital factories can now achieve returns on their high digital maturity, sharing data, automating operations, eliminating bottlenecks, and helping their workforces achieve stronger outcomes.
The Cost of Disconnected Data
The cost of data silos shows up in awkward handoffs. Teams using traditional platforms and processes must reconcile conflicting files, rebuild models, and make decisions based on information that may already be out of date.
Digital transformation succeeds when connected data removes the friction that slows decisions, handoffs, and execution.
For Eaton, a global power management company, the challenge was to optimize its building operations and maintenance before beginning production. To do this, the company upgraded its energy management software to support building digital twins so it could analyze and predict facility performance.
Transforming its fragmented data into usable information helped Eaton create intelligent, interactive 3D replicas of factory environments. Putting that data to work through visualization and predictive analysis now enables Eaton to help its customers monitor assets, plan maintenance, reduce operational risk, and improve building performance.
Optimizing the Factory Lifecycle
A shared platform can eliminate data bottlenecks and create a continuous digital thread across engineering, construction, and manufacturing operations. That continuity is critical, because manufacturing development projects often generate much more data than they use: 95% of data generated during factory construction goes unused, underscoring how easily valuable knowledge can be lost along the way.
A connected data environment helps manufacturers use that information for layout planning, simulation, building of digital twins, and real-time operational analysis.
When Porsche planned to build its Taycan electric vehicle factory on a constrained urban site in Stuttgart, Germany, the automaker needed to keep complex project data connected from early planning through production.
Porsche wanted to build a zero-impact facility that reflected the sustainable principles of the Taycan and introduced design, engineering, and building information modeling (BIM) workflows to coordinate the facility, production systems, and construction process within tight space, speed, and performance requirements. The new workflows helped the company reduce construction risk, increase flexibility, and optimize the value of the facility.
“In the model, all designers, planners, and suppliers speak the same language,” says Till Moczarski, Porsche Taycan Factory Project Manager. “It’s like a kind of symphony where people meet and everything comes together.”
Compressing Time to Market
Rapid deployment was a high priority for Viessmann, a global heating, ventilation, and air conditioning (HVAC) manufacturer, when it planned to build a heat pump plant in Legnica, Poland. To begin production on the factory within two years of starting initial planning, Viessmann needed to build quickly without letting disconnected handoffs and lost data undermine coordination across building trades teams.
Viessman used an AI-powered 3D planning model to create a single source of truth, which let project partners access real-time plans and coordinate workflows, integrating architecture, construction, assembly, and logistics into one planning process.
“The speed with which we were able to build was a great success,” says Norbert Schmidt, Digital Factory Expert, Viessmann Climate Solutions. “But even greater than that was the fact that the most diverse groups—from architecture to building services to factory planning to production management—could work together intensively.”
Navigating the Maturity Journey
AI can help companies move beyond outdated systems toward connected, integrated, and automated operations.
Bridgestone, the world’s largest tire and rubber company, was an early adopter of automation and AI for streamlining manufacturing operations. The company expanded a six-month automation initiative to become its ongoing digital transformation effort.
That shift to a broader operating model has helped the company reduce waste and rework while making factory improvements easier to scale. With a common data foundation, its factory transformation has become cumulative, helping manufacturers adapt as its products, capacity needs, and supply chain pressures evolve.
Factory Data for Operational Advantage
Fragmented systems limit AI’s value by making it harder for organizations to transform their raw data into reliable predictive insights. Bringing design, construction, asset, and performance data together can create an operational advantage. Connecting data can help a manufacturer build a live digital twin for better visibility into equipment health, production bottlenecks, facility conditions, and maintenance needs before problems become downtime.
For leaders seeking to transform their manufacturing operations into digital factories, establishing higher digital maturity is mission-critical. To lead change, they must identify where factory data is reentered, translated, or lost across planning, design, build, and operations. Closing those gaps is the first step toward building a more connected, adaptable, and resilient manufacturing enterprise.
The first step to building a more connected, adaptable, and resilient manufacturing enterprise starts with understanding where gaps are today. Let’s work together to enhance digital maturity across your organization—from planning, to design, to build, to operations.
Update 11/3/26: Looks like it’s 90,000 points now. Was originally sent out via mailer but I don’t see anything in the terms that restricts others from signing up?
It was rumored that Navy Federal Credit Union (NFCU) would be refreshing the Flagship card. Yesterday existing customers received notice that an annual fee of $95 would be added to their cards. Today NFCU has launched a new called card ‘Flagship Premier Rewards Card’. Details of the card are basically what was rumored, see below.
Card Details
50,000 bonus points when you spend $4,000 within the first 90 days
$95 annual fee
Card will earn at the following rates:
4x on travel
3x on dining
1x on all other purchases
$100 airline statement credit
Statement credits (up to $120) for Global Entry or TSA Pre✓ (same as current)
Complimentary GigSky® global mobile data plan (same as current)
Our Verdict
The card was an easy keep before with the Amazon Prime credit and $49 annual fee. Don’t think it’s worth keeping past the first year for most people with these new benefits and annual fee but it is nice to see it launch with a 50,000 point bonus. Will add this to our list of new cards for 2026 and the best credit card bonus page.
Yesterday, tens of millions of Americans made their voices heard by casting or mailing in their ballots. These votes have charted a new course for America, with Democrats taking firm control of the House of Representatives and the Senate, according to the Associated Press. Starting in early January, President Donald Trump will be working with a Democrat-led Congress.
This congressional shake-up is a big win for Democrats. But at the end of the day, there’s an even bigger winner: Wall Street’s major stock indexes — the Dow Jones Industrial Average(^DJI -0.38%), S&P 500(^GSPC +0.36%), and Nasdaq Composite(^IXIC +0.83%) — and investors.
President Trump will be working with a Democrat-led Congress in early January. Image source: Official White House Photo by Daniel Torok.
A Democrat-controlled Congress may come with some pain points
President Trump has enjoyed a unified Republican government in the first two years of both of his nonconsecutive terms. In each case, Congress passed, and he signed into law, a major tax and spending bill. The Tax Cuts and Jobs Act (TCJA) (signed December 2017) permanently lowered the peak marginal corporate income tax rate to 21%, fueling S&P 500 share buybacks, while the Big, Beautiful Bill (signed July 2025) made the personal income tax bracket reductions from the TCJA permanent.
A divided Congress likely takes major tax and spending legislation off the table, which isn’t necessarily bad news for Wall Street.
But a Democrat-controlled Congress does have some sticking points.
DEMOCRATIC SWEEP? UBS SEES 50% ODDS.
UBS assigns a 50% probability to Democrats winning both chambers, while prediction markets put Democratic control of the House at 94% and Senate at 77%.
UBS warns a sweep could complicate Trump’s fiscal agenda and 2027 debt-ceiling negotiations, while tariffs and AI investment remain largely insulated.
— *Walter Bloomberg (@DeItaone) November 3, 2026
For instance, debt-ceiling negotiations become a lot trickier. The ideological differences between America’s two parties increase the likelihood of a lengthy government shutdown that could harm U.S. gross domestic product and corporate earnings.
Democratic lawmakers also favor stricter artificial intelligence (AI) regulations. Whereas the president has minimized AI regulation, Democrats prefer limiting data center expansion and ramping up the testing and vetting of large language models.
There’s definitely room for near-term uncertainty to creep into the picture ahead of January 2027.
Image source: Getty Images.
Election Night yields an even bigger winner than congressional Democrats
But if there’s one thing history has shown investors, it’s that they’re the biggest winners on Election Night. No matter how the political puzzle pieces are arranged, the Dow, S&P 500, Nasdaq Composite, and investors always come out as long-term beneficiaries.
Admittedly, certain political combinations work better than others. According to online retirement planning platform Retirement Researcher, the benchmark S&P 500 has, on average, gained 16.63% annually under a Democratic president and a divided Congress since 1926. By comparison, gains taper to an annual average of 7.33% with a Republican president and a split Congress.
However, a 7.33% average annual return still tops other popular asset classes, including Treasury bonds, commodities, and real estate. Even in less-than-ideal historical scenarios, the stock market delivers superior returns.
^SPX data by YCharts
Furthermore, this data shows that while fiscal policy does play a role in corporate America, it’s the operating results, management actions, and innovative prowess of public companies that ultimately push the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite higher over the long term.
The AI infrastructure build-out, the evolution of quantum computing, significant S&P 500 share buybacks, and record-breaking initial public offerings won’t stop just because the congressional puzzle pieces will be rearranged in January. With another election in the books, investors are yet again the big winners.
Goldman Sachs just put out their 2027 housing outlook and the good news is it has mortgage rates coming down next year.
And by a healthy margin at that, with the popular 30-year fixed sliding to 6.4% at some point.
That’s nearly a full percentage point below current levels, which have hovered around 7.25% to 7.375%.
While it’s a positive, they don’t expect home sales to recover as a result. In fact, they expect an even softer year as home buyers continue to struggle with affordability.
At the same time, refinancing is projected to be weak with the majority of existing homeowners sitting on lower-than-market rates.
The 30-Year Fixed is Forecast to Fall to 6.4% in 2027
According to Goldman Sachs’ newly-released 2027 housing outlook, its credit strategists expect mortgage rates to decline to 6.4%.
That’s nearly a full point below levels seen when the report was put together at the end of October.
On a $400,000 loan amount, we’re talking about nearly $270 in monthly savings, which is certainly something to get excited about.
However, they do say rates will “remain elevated” at those levels, I suppose relative to where they were in late February and early March of this year (sub-6%).
And they said, “Even if that decline is realized, affordability will remain at historically poor levels.”
So getting back down to the mid-6s on the 30-year fixed merely allows us to keep up the status quo, which is the lowest home sales volume in 30 years.
Of course, this is but one forecast and we all remember how wrong all the forecasts have been the past few years (and the years before that too).
Why Are Mortgage Rates Still Expected to Stay High?
As you might have suspected, Goldman blamed this year’s jump in mortgage rates on the war in Iran, high oil prices, and the prospect of additional Fed rate hikes.
If the war gets resolved and energy prices drop, that could also give the Fed pause to hike again.
So there’s a lot at stake in the Middle East. It kind of dictates much of what’s happening at the moment.
Yes, there is also the AI trade, which is proving to be a tailwind for bonds (and lower mortgage rates) via a flight to safety.
But I don’t know how many people want to see their stock portfolio get pummeled in order to get a slightly lower mortgage rate.
In other words, it’s the same old story since early this year. If you want mortgage rates to improve, you need to root for a resolution in Iran.
The Lock-In Effect Isn’t Going Away
Even if we get back down to 6.4% next year, there’s the matter of mortgage rate lock-in.
In the report, Goldman also noted that more than 95% of existing mortgage borrowers have rates below current market rates.
And 65% have rates that are at least two percentage points (2%) below market rates.
This is what’s known as the mortgage lock-in effect, and it’s why so many homeowners are simply deciding to stay put.
Why give up a 2% to 4% mortgage rate for one that’s more than double that? With a higher home price to boot? And higher property taxes, homeowners insurance, etc.?
That’s why the report is forecasting another year of disappointing home sales.
[See what different mortgage rates actually mean with my mortgage rate calculator.]
Existing Home Sales Below Four Million in 2027
They expect existing home sales to total just 3.9 million in 2027, which is below their forecast of 4 million for this year.
That’s already around 30-year lows, similar to recent prior years. And worse, it’s about 26% below 2019 levels, when the housing market was last considered normal.
That will be hard on the industry, with mortgage lenders already laying off staff, closing shop, etc. Same goes for real estate agents, who are also struggling mightily in this low-transaction environment.
As for home prices, Goldman expects growth that’s “anemic” and below than 1%. Specifically, up just 0.8%, which won’t keep pace with inflation.
That’s slightly below the 1.1% expected in 2026 and the 1.2% we saw in 2025.
So even if mortgage rates move lower from here, it won’t magically fix things. Affordability will remain tough regardless.
But it might be uneven. Goldman expects housing activity to start recovering by the second half of next year if interest rates come down as forecast.
Read on: How are mortgage rates determined?
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 20 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on X for hot takes.
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Managing rental properties across multiple LLCs, tracking income and expenses by property, and keeping security deposits organized requires more than a standard business checking account. Real estate investors need banking tools designed for the complexities of multi-property portfolios. The right banking solution for real estate investors and operators can help organize cash flow across properties and entities while connecting banking activity with bookkeeping and tax reporting workflows.
Whether you manage a single rental or a portfolio spanning dozens of properties, choosing a banking platform that understands real estate investing can streamline operations and support growth.
Key Takeaways
Real estate investors should prioritize banking platforms offering property-specific accounts, integrated rent collection, and automated bookkeeping features.
Baselane combines banking, bookkeeping, and rent collection in one platform, with no monthly account maintenance fees and unlimited property and entity accounts.
Annual Percentage Yield (APY) varies substantially by provider and account type, so investors should compare checking, savings, and money market rates on a like-for-like basis.
Traditional banks like Chase, Wells Fargo, and U.S. Bank offer branch access and commercial real estate lending for investors who need in-person service or financing relationships.
Digital banking platforms may provide deposit accounts through partner banks, with terms and eligibility conditions varying by provider.
Real estate investors and operators should evaluate how each banking option handles multi-entity structures, security deposit organization, and tax preparation needs before committing.
Banking Platform Comparison
Platform
Best For
Key Features
Baselane
Integrated banking and bookkeeping for real estate investors
Property and entity accounts, automated bookkeeping with 120+ categories, rent collection, tax reporting
Multiple checking accounts, Profit First cash flow organization, virtual debit cards, team permissions
Note: SBA 7(a) and 504 loans generally can’t fund rental properties you don’t occupy.
Why Real Estate Investors Need Specialized Banking
Banking for rental properties differs from standard small business banking. A real estate investor or operator managing multiple properties across different LLCs has different needs than a retail business owner with one checking account. Separate bank logins and multiple apps can spread financial information across systems, making reconciliation and tax preparation more time-consuming.
A strong banking solution for real estate investors and operators should support:
Property-specific accounts: Separate checking and savings for each property, entity, and reserve fund
Multi-entity management: Easy handling of multiple LLCs without juggling separate bank logins
Security deposit organization: Dedicated accounts or tracking tools for tenant deposits
Rent collection integration: ACH payment processing that flows directly into the right accounts
Automated bookkeeping: Transaction categorization by property and tax category
Tax-ready reporting: Schedule E reports and transaction exports for federal and state returns
High-yield savings: Competitive APY on reserve funds held in savings accounts
The following comparison covers digital platforms built for real estate, traditional banks with CRE lending, and online banks with specialized features.
1. Baselane: Banking and Bookkeeping Built for Real Estate Investors
Baselane is a banking and bookkeeping platform for multi-property real estate investors and operators. It combines property-level banking accounts, automated bookkeeping, and rent collection in one integrated system.
Why it fits real estate investors
Baselane addresses the core operational challenge real estate investors and operators face: managing cash flow across multiple properties and entities without losing visibility or spending hours on manual reconciliation. Real estate investors can open unlimited checking and savings accounts organized by property, entity, or purpose, all within a single dashboard.
Baselane automatically assigns transactions to each property, entity, and tax category using 120+ real estate-specific categories. This automation reduces the manual work of categorizing expenses at year-end and supports organized tax preparation workflows.
Key features
Unlimited property and entity accounts: Create separate accounts for each rental, LLC, security deposit fund, or capex reserve with no monthly account maintenance fees.
Automated bookkeeping: Transactions are automatically assigned to each property, entity, and tax category using 120+ real estate-specific categories.
Integrated rent collection: Tenants pay via ACH, debit card, or credit card through a rent collection portal.
High-yield savings: High APY on balances held in savings accounts
Virtual debit cards: Issue cards with spend limits assigned to specific properties, useful for co-hosts managing short-term rentals
FDIC insurance: FDIC insurance available up to $3 million for funds deposited via Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.
Tax-ready reports: Generate income statements, Schedule E reports, and transaction ledgers.
What to consider
Baselane is a digital-only platform with no physical branches, though supported Allpoint+ ATMs allow cash deposits into checking accounts. Real estate investors and operators who need teller-based branch service or direct commercial real estate lending may still prefer to pair Baselane with a traditional bank for those specific functions.
Stessa is a property management platform based in Oakland, California, that includes cash management features for real estate investors and operators tracking rental portfolios.
Where it fits
Stessa is primarily a property management and portfolio tracking tool. Its built-in Cash Management accounts let real estate investors and operators separate funds by property or portfolio while connecting banking with Stessa’s bookkeeping, rent collection, and property management workflows.
Cash management accounts: Checking accounts with banking features
Portfolio tracking: Financial reporting across properties
Rent collection: ACH payments with processing options
Cash-back debit card: Earn cash back on eligible purchases
What to consider
Stessa combines Cash Management with its broader property management, bookkeeping, leasing, and portfolio tracking tools. Real estate investors and operators who primarily need banking and bookkeeping automation may find the platform oriented toward different workflows.
3. Bluevine
Bluevine is an online business banking platform that offers checking accounts with high-yield interest and access to business lines of credit.
Where it fits
Bluevine works for real estate investors and operators who want to separate funds using subaccounts within a single banking relationship while having access to working capital for repairs or gaps between properties.
Key features
Multiple subaccounts: Create up to five, 10, or 50 subaccounts for different purposes, depending on the business checking plan.
Lines of credit: Access working capital for qualified applicants.
QuickBooks integration: Sync transactions with accounting software.
Bill pay and invoicing: Built-in payment tools
High-yield checking: Interest-bearing checking tiers available. Higher rates need a paid plan. Standard pays 1.3% with a monthly activity goal, and Premier pays 3% for $95 a month unless waived.
What to consider
Bluevine is designed for general small business use rather than specifically for real estate investors. Real estate investors and operators would need separate tools for property-level bookkeeping automation, rent collection, and Schedule E reporting.
4. Chase
Chase offers business banking with an extensive 5,100+-branch network for real estate investors and operators who need in-person service and cash deposit capabilities.
Where it fits
Chase is relevant for real estate investors and operators who regularly handle cash, need merchant services, or prefer a traditional banking relationship with physical branch access nationwide.
Key features
Extensive branch network: Physical locations throughout the United States
Commercial real estate lending: CRE loans for qualifying borrowers
Merchant services: Payment processing for businesses
Business credit cards: Multiple credit options with rewards
Promotional bonuses: New account offers may be available.
What to consider
Chase operates as a traditional bank with fee structures that may include monthly maintenance charges, minimum balance requirements, and transaction limits. Property-specific bookkeeping and rent collection would require separate tools.
5. Wells Fargo
Wells Fargo provides business banking services with extensive branch presence and specialized multifamily lending capabilities.
Where it fits
Wells Fargo may suit experienced investors with large multifamily portfolios who need agency financing through Fannie Mae, Freddie Mac, or FHA programs.
Commercial real estate loans: Financing options for various property types
About 4,070 branches: Physical locations nationwide
Treasury solutions: Cash management and payment services
Multiple financing types: Balance-sheet, CMBS, bridge, and mezzanine options
What to consider
Wells Fargo’s business accounts typically include monthly fees and may have transaction limits. The bank’s CRE division serves experienced developers and institutional investors with larger deal sizes.
6. U.S. Bank
U.S. Bank offers direct investment property loans for multifamily, office, warehouse, retail, and mixed-use properties with a free business checking option.
Where it fits
U.S. Bank works for established investors wanting branch access plus direct CRE lending without fintech complexity.
Key features
Free Business Essentials checking: No monthly fees with unlimited digital transactions. Includes only 25 free teller and paper transactions per cycle.
SBA loans: Government-backed financing for qualifying real estate projects
About 2,100+ branches: Physical locations for in-person service
Promotional bonuses: Limited-time offers may be available for qualifying new business checking accounts
Investment property financing: Direct loans for various commercial property types
What to consider
While Business Essentials checking has no monthly fee, real estate investors and operators focused on property-level tracking would need separate bookkeeping software for automated categorization and Schedule E reporting.
7. Live Oak Bank
Live Oak Bank is an online bank that consistently ranks as a top SBA 7(a) lender nationally.
Where it fits
Live Oak works for investors specifically seeking SBA-backed financing for acquisitions or major renovations through a streamlined digital process.
Key features
Top SBA lender: One of the most active SBA 7(a) and 504 lenders
SBA financing: Offers 7(a) and 504 loan options for qualifying businesses, subject to SBA program limits
High-yield business savings: Business savings currently earns 2.75% APY, subject to change. Business savings accounts have no debit card or ATM access.
Online-first process: Faster SBA financing through digital applications
Promotional bonuses: Limited-time offers on select accounts
What to consider
Monthly fees may apply depending on the account tier, though balance requirements can waive fees. Live Oak focuses on SBA lending rather than comprehensive banking features for real estate investors and operators.
8. Mercury
Mercury is a tech-forward business banking platform. Note that Mercury is not FDIC-insured and can lose money.
Where it fits
Mercury appeals to investors with complex holding company structures who need API access for custom financial automation workflows.
Key features
Multiple subaccounts: Separate funds by property or purpose
Treasury accounts: Options for idle cash yield
API access: Custom workflows and automations
Extended FDIC coverage: Coverage through sweep network
Virtual and physical cards: Payment cards for team members
What to consider
Mercury is designed for tech-forward businesses rather than specifically for real estate investors. Property-level bookkeeping and rent collection would require separate tools.
9. Axos Bank
Axos Bank is a digital bank offering DSCR and rental property loan programs entirely online.
Where it fits
Axos suits investors wanting digital lending solutions without branch requirements, particularly those pursuing DSCR financing strategies.
Key features
Investor-focused loans: DSCR financing from $150,000 to $30 million+, with rental property lending options available
Interest-bearing checking: Earn interest on business balances
Unlimited ATM reimbursements: No fees for domestic ATM withdrawals
QuickBooks integration: Transaction sync for accounting
Expanded FDIC coverage: Deposit sweep programs available
What to consider
Monthly fees may apply depending on average balance. Axos is a general business bank without property-specific features, rent collection, or real estate bookkeeping automation.
10. Relay
Relay is an online business banking platform that emphasizes multiple account management and team collaboration features.
Where it fits
Relay works for real estate investors and operators managing multiple properties who need per-property cash separation across a multi-LLC portfolio. The platform supports up to 50 checking accounts, depending on plan and entity type, with percentage-based auto-transfer rules for Profit First allocation.
Key features
Up to 50 checking accounts: Create accounts for different properties or purposes, depending on plan and entity type
Percentage-based auto-transfers: Route rent deposits into tax, maintenance, and profit buckets
Up to 50 virtual debit cards: Issue cards with spend limits for team members or contractors
Team collaboration: Multi-user access with role-based permissions
CPA Partner Portal: Direct accountant access without sharing credentials
What to consider
Relay focuses on multi-account cash flow management rather than real estate-specific automation. While it offers a free plan, advanced features and higher account limits require paid subscriptions ranging from $30 to $120/month. Real estate investors and operators may also need additional tools for automated bookkeeping by property and tax category, as well as integrated rent collection.
Why Baselane Stands Out for Real Estate Investors
Real estate investors and operators managing multiple properties or entities face common problems: cash flow spread across different accounts, separate logins for each LLC, and manual work to categorize transactions at tax time. Traditional banks were not designed to handle the property-level organization that rental investing requires.
Baselane addresses this by combining banking for real estate investors and operators with automated bookkeeping in one platform. Real estate investors and operators can:
Create unlimited checking and savings accounts organized by property and entity.
Collect rent via ACH, debit card, or credit card payments that deposit directly to the correct account.
View transactions automatically tagged to properties and IRS Schedule E categories.
Generate tax reports without manual data entry or spreadsheet reconciliation.
Earn a high APY on savings account balances; FDIC insurance is available for funds deposited via Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.
For short-term rental operators, Baselane allows issuing virtual debit cards with spend limits that can be assigned to co-hosts or cleaners for property-specific expenses.
Baselane allows creatingdedicated accounts for tenant deposits, keeping funds clearly separated from operating cash while supporting organized recordkeeping.
The platform works alongside property management tools, providing the banking and bookkeeping layer while real estate investors and operators use other software for maintenance coordination, listing management, or tenant communication as needed.
FAQs
What should real estate investors look for when choosing a bank?
Real estate investors and operators should prioritize banks offering property-specific accounts, integrated rent collection, automated bookkeeping, and tax preparation support. Multi-property investors benefit from platforms that organize transactions by property and entity automatically. Security deposit tracking supports organized recordkeeping and can help real estate investors and operators identify and track tenant funds.
Can real estate investors open a business bank account online?
Digital platforms like Baselane allow real estate investors to open accounts entirely online without branch visits or paper applications. Traditional banks may require in-person verification depending on their policies and the business structure.
Do any banking platforms for real estate investors and operators offer high-yield savings?
Digital-first platforms generally offer higher APY on savings compared to traditional banks.Baselane offers high APY on savings balances, which exceeds the national average for business accounts. Traditional banks typically offer significantly lower rates on business savings.
Should real estate investors and operators use a local bank or digital platform?
The choice depends on specific needs. Digital platforms like Baselane offer property-level organization and automated bookkeeping that traditional banks typically lack. Traditional banks provide in-person service and commercial real estate lending. Some real estate investors and operators use both: a digital platform for daily operations and a local bank for financing relationships.
How do integrated banking and bookkeeping platforms help with taxes?
Platforms like Baselane automatically categorize transactions by property and IRS Schedule E category throughout the year. This reduces manual categorization at tax time and supports the generation of Schedule E reports and transaction ledgers that can be shared with accountants or used for self-filing.
There are some founders who think that only good ideas can come from them. Haniff Brown is not one of those founders.
In 2024, the Williams College math major and former private equity investor was promoting his company Fit:match’s AI body-scanning technology as a way to help shoppers find clothes that fit. Then a major English soccer team asked if he’d bring the tech to their youth academy for an entirely different use. He almost said no, but went anyway, and after listening to the coaches, he found an entirely different use for the tech — and much bigger business in the process.
Today, Fit:match partners with FIFA, Major League Soccer and Major League Baseball to deliver athletes a full set of anthropometric and body-composition measurements in seconds. Brown spoke with Entrepreneur to share his insights and advice for building, growing and seizing unexpected opportunities.
Let’s start with the elevator pitch. What is Fit:match? Fit:match is a body intelligence platform. Think of us almost like the ChatGPT or the Claude or the Gemini of the human body. We provide remote access to body intelligence and body analytics at scale. So if you want precision or data analytics on the human body, we are the company providing that for hospitals, for athletes, and coaches, and really across the board.
Talk to us about the pivot from your tech focusing on people buying clothing. I think it was in 2024 when we got a call from a really large sports team in England. We were doing some work in a retailer and they said to us, “Hey, we really like your technology. I know that you’re using it for shopping, but can you swing by our youth academy out in the countryside in England?” At first, we were like, no, the technology is built for this purpose. But sometimes as an entrepreneur, you just have to take a risk and you have to go with your gut. And I felt, why not? So when I was there, I started to talk to the coaches, I started to talk to the scouts and then the sports scientists. And that really was the aha moment for us. What they told us at that academy is, “Hey, if you can get this body scanning process down to 10 to 15 seconds, you would unlock a huge advantage for us.” Because most assessments in sports take a long time and involve pulling an athlete out of training. I came back from that trip and I was just like, “We’re going all-in on this.”
You’re a die-hard Manchester United fan — how does it feel to build a business around something you love? What makes me the happiest is the fact that whether it is the MLB or Major League Soccer, we’re doing it at the youth level. If you can democratize it the right way, you can get access to more youth, you can help develop ecosystems and pathways that don’t exist today, and you can also provide data to parents so they can make better decisions for their sons and daughters.
Photo credit: Fit:match
For entrepreneurs, how important is it to put your product in people’s hands toexperience it? You have entrepreneurs, and then you have founders that are trying to build something that doesn’t exist. I’m on the latter piece. A big part of this journey for me has not only been, “Hey, the technology works!” but it’s also now proving to enterprises, businesses, markets and consumers that this is something they can do. A big part of how I’ve tackled adoption is to put the technology out there as much as possible. Because the more that’s hidden, the more obstacles you have to face in that selling journey. So every client call that I have now, whether I’m talking to Cleveland Clinic or a sports team in Peru, I start with a demo of the technology. Not a video, not a picture. We have someone on our team get on the call, take out their iPhone, click four pictures, and go through the technology, because I want to educate the person on the other side that this is easy. This is an experience that I always tell people my eight-year-old son can do and my 70-year-old mom can do. And what I found is the ROI and the payback on putting it out there has been huge.
What’s your advice to founders out there seeking funding? I’ve been fairly open about this. I do not like fundraising. I like building products, I like scaling teams, I like having fun on that side of the business. So I view fundraising almost as if you’re going in a car from Los Angeles to New York, and somewhere along the line you’re gonna break down and not have any fuel left. And you need a gas station along the journey. Fundraising is those gas stations. It’s not the means, it’s not the ends — it’s just some fuel that you need to get to the next stage and execute your journey. If I build the right product, if I build the right market, if I have customers who are paying, I’ll find the right investor. I find a lot of entrepreneurs try to focus on fundraising first, then those things second. What I found is that fundraising becomes easier once you solve for those things. So my advice is to focus on the stuff that investors really want to see.
There are some founders who think that only good ideas can come from them. Haniff Brown is not one of those founders.
In 2024, the Williams College math major and former private equity investor was promoting his company Fit:match’s AI body-scanning technology as a way to help shoppers find clothes that fit. Then a major English soccer team asked if he’d bring the tech to their youth academy for an entirely different use. He almost said no, but went anyway, and after listening to the coaches, he found an entirely different use for the tech — and much bigger business in the process.
Today, Fit:match partners with FIFA, Major League Soccer and Major League Baseball to deliver athletes a full set of anthropometric and body-composition measurements in seconds. Brown spoke with Entrepreneur to share his insights and advice for building, growing and seizing unexpected opportunities.
Some Discover cardholders who recently migrated to Capital One are receiving a special Capital One Travel offer worth up to $200 back on their first eligible stay.
Eligible cardholders can earn 15% cash back on their first hotel or vacation-rental booking made through Capital One Travel. The offer applies to up to $1,333.33 in eligible spending, which would earn the maximum $200 back.
Offer Details
Earn 15% cash back on a hotel or vacation rental booking on Capital One Travel, up to $200. This is a limited time offer that will provide eligible customers one-time elevated earn of 15% cash back on one hotel or vacation rental reservation made via Capital One Travel during the offer period for a maximum of $200 of elevated earn for a reservation (only applicable for payments made via Capital One Travel and including taxes and fees).
This offer is only available while supplies last and for one booking per account. Offer expires January 23, 2027.
Important Terms
For this booking, customers will earn 15% cash back on their booking, instead of their standard rewards earn rate, up to a total earn of $200.
If booking a package, only the hotel portion of the package booking will qualify for this offer.
After reaching a total of $200, customers will earn their standard rewards earn rate on the remaining portion of the purchase.
Rewards earnings will apply to net purchases (purchases minus any credits or returns) only.
Rewards will not be earned on any travel credits used or any rewards redeemed for the purchase.
Earned rewards are usually visible online within 10 days, but may take up to 2 statement cycles to post to your account.
This promotion cannot be retroactively applied to bookings made before the offer starts, and will not be applied to any bookings made after the offer expires.
Travel offers are nontransferrable, and may not be combined with other offers unless specified.
Guru’s Wrap-Up
This is a valuable welcome offer for former Discover cardholders moving into the Capital One ecosystem. A $1,333.33 eligible hotel or vacation-rental booking would earn the full $200 back.
The biggest limitation is that the booking must be made through Capital One Travel. Compare the portal price with booking directly. You would also miss out on hotel points, elite-night credits or on-property status benefits when booking through a third party.
OpenAI has hired one of Uber’s highest ranking executives to oversee its global communications efforts, filling a key role that had been vacant for nearly a year as the AI company navigates a challenging political landscape and moves closer to an initial public offering.
Jill Hazelbaker is joining OpenAI as chief corporate affairs officer, the company announced on Tuesday. Hazelbaker, who had been president and chief corporate affairs officer at ride hailing giant Uber, will work alongside OpenAI’s leaders to “deepen public understanding of AI and strengthen trust in its mission,” the company said.
She will report to OpenAI co-founder and president Greg Brockman and starts in early December, OpenAI told Fortune.
“As AI becomes part of more people’s lives, how we communicate, engage, and earn public trust has never been more important,” Brockman said in the announcement, citing Hazelbaker’s experience and understanding of the “opportunities and responsibilities that come with building technology at global scale.”
Hazelbaker is a well respected communications professional in the technology industry. She has served as Uber’s President and Chief Corporate Affairs Officer for the past 11 years, and previously held senior leadership roles at Snap and Google. She is replacing Hannah Wong, who served as OpenAI’ chief communications officer (CCO) until January 2026. Since then, OpenAI’s Chris Lehane has been leading the team in the interim.
Hazelbaker previously turned down the role
In the ten months since Wong’s departure, OpenAI has experienced a series of public controversies—most notably when its AI agents hacked the company Hugging Face during training in July. The 11-year old company has been criticized for not being sufficiently transparent and communicative about its operations, at a time when public concerns about AI’s potential harms to society, the labor market, and the environment are rising. Backlash to the massive AI data centers being built across the U.S. has emerged as one of the key issues in the midterm elections taking place on Tuesday.
In September, OpenAI told Fortune it was not rushing to fill the role, and was focused on getting the right candidate. Over the summer, it ramped up its search by hiring an executive recruiting firm.
OpenAI offered Hazelbaker the position in the spring, but she turned it down, as Fortune reported in September. Sources suspected her close relationship with Uber’s CEO Dara Khosrowshahi, desire to be on the East Coast for her family, and already high salary played a role in her declining the role.
It appears OpenAI has now made Hazelbaker an offer she cannot refuse.
Hazelbaker will remain on the East Coast, but will spend time in San Francisco, where OpenAI is headquartered, the company told Fortune.
“The work of building public trust has never been more consequential,” Hazelbaker said in the announcement, describing AI as the “most profound technological shift of our lifetime.”
Bank of Canada Governor Tiff Macklem said Prime Minister Mark Carney’s fiscal plans aren’t yet making it harder for the central bank to control inflation.
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