Latchel
AI-Driven Maintenance Coordination & Resident Experience Platform
Azibo is a specialized financial operating system designed for the independent real estate investor. As of 2026, the platform has evolved from a basic rent collection tool into an AI-enhanced treasury management suite. It integrates embedded banking services (via Evolve Bank & Trust) with automated property accounting, rent collection, and risk management. The technical architecture leverages machine learning to automatically categorize property expenses according to IRS Schedule E requirements, significantly reducing manual data entry for year-end tax preparation. By centralizing the financial lifecycle—from tenant screening and security deposit escrow to digital insurance procurement and mortgage refinancing—Azibo eliminates the fragmentation typically found in the SMB real estate market. Its 2026 market position is defined by its 'zero-cost' core ledger model, monetizing instead through transaction interchange, insurance premiums, and financial service spreads, making it the primary challenger to legacy platforms like AppFolio or Buildium for the DIY landlord segment.
Uses NLP and historical transaction patterns to automatically categorize expenses into IRS Schedule E categories.
AI-Driven Maintenance Coordination & Resident Experience Platform
The all-in-one financial management and property tracking platform for modern landlords.
The AI-powered command center for modern property management and real estate operations.
The open and connected real estate software platform powered by AI-driven insights.
Verified feedback from the global deployment network.
Post queries, share implementation strategies, and help other users.
Direct integration with Evolve Bank & Trust for real-time balance updates and sub-account partitioning.
Automated compliance tracking for security deposits with state-specific interest calculation tools.
API-level integration with TransUnion for Full Credit, Criminal, and Eviction reports delivered in real-time.
Programmatic quote generation for LLDP (Landlord Liability & Property) insurance based on portfolio data.
Batch processing for vendor payments (contractors, utilities) directly from the property ledger.
Reports on-time rent payments to major credit bureaus to incentivize tenant retention.
Manually sorting hundreds of receipts and bank statements for Schedule E filing.
Registry Updated:2/7/2026
Eliminating physical checks and manual follow-ups for late rent.
Legal risks associated with co-mingling funds or improper deposit handling.