TrueCap vs Cozy: Cozy shut down. Here's what replaces it.
Cozy.co was a free landlord ops platform — listings, online applications, rent collection — until Apartments.com acquired and shut it down in 2022. If you landed here looking for an alternative, the honest answer is: no single tool replaced it. TrueCap covers pre-purchase underwriting (a Cozy didn't do that), and you'd pair it with TurboTenant, Avail, or RentRedi for the operations Cozy used to handle. Here's the breakdown.
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TL;DR
Use TrueCap when
- You're evaluating a property before making an offer (Cozy didn't do this).
- You want cap rate, DSCR, cash flow, projection.
- You want a free tier that doesn't cap analyses.
Use Cozy when
- For listings + applications + rent collection (Cozy's old core): TurboTenant, Avail, or RentRedi.
- For accounting + Schedule E: Stessa, Baselane, or Landlord Studio.
- For tenant screening only: RentSpree.
Feature-by-feature
Side-by-side on every dimension that matters for a comparison-shopping investor.
| Feature | TrueCap | Cozy |
|---|---|---|
Status | Active | Shut down June 2022 |
Lifecycle stage | Pre-purchase — underwrite the deal | Was post-purchase landlord ops |
Cap rate / CoC / DSCR analysis | Yes — full engine, free tier | Not modeled (was ops only) |
10-year projection | Pro — rent + expense + appreciation | Not modeled |
Starting values (rent/rate/tax) | HUD rent + FRED rate + manual local property tax | Not applicable |
Rental listing distribution | No | Was syndicated to Apartments.com etc. |
Online rental application | No | Was customizable |
Online rent collection | No | Was ACH free |
Tenant screening | No | Was TransUnion-backed |
Free tier | Yes — core cap rate, CoC, DSCR, and cash flow | Was free |
Pricing | Free core; paid Pro — see live pricing | Was free (shut down) |
Cozy details based on publicly available product info as of 2026. See cozy.co for their current state.
Replacing Cozy in 2026
- Pre-purchase underwriting. TrueCap's free core screen covers editable cap rate, DSCR, and cash flow; released projections appear only when your evaluation or plan access includes them.
- Listings + applications + rent collection (Cozy's old core). TurboTenant (most Cozy-like free tier), Avail (Realtor.com-owned), or RentRedi.
- Accounting + tax-time Schedule E. Stessa, Baselane, or Landlord Studio. All have free or low-cost tiers.
- Tenant screening only. RentSpree (tenant pays, free for landlord) or any of the above bundled solutions.
Only need the underwriting piece? The free break-even calculator tells you how long a property takes to return your cash, and the full TrueCap analyzer turns an address into cap rate, cash-on-cash return, and DSCR — all free, the way Cozy used to be. Our guide on 60-second underwriting walks through the workflow end-to-end.
Common questions about TrueCap vs Cozy
Quick answers to the questions investors comparison-shopping these tools actually ask.
What happened to Cozy.co?
Is TrueCap a Cozy alternative?
What's the best free Cozy alternative for rent collection?
Did Apartments.com replace Cozy?
Can I use TrueCap + a Cozy replacement together?
Sources & methodology: Feature and pricing rows reflect Cozy's publicly listed information, last reviewed June 2026. Vendors change features and prices often — verify current details on Cozy's own site. Where TrueCap claims “sourced defaults,” that refers specifically to an editable HUD area-rent benchmark and the FRED owner-occupied 30-year mortgage-rate benchmark. Property tax is a manual local input with a disclosed generic fallback, not a state-data auto-fill.
On price, plainly
Tools in this space run from free to well above TrueCap — check Cozy's live pricing for their current number. What TrueCap's price buys is the decision layer, not more calculation: an Offer Ceiling under your selected targets, rule-fit results for your Buy Box with reasons, the downside stress test, and assumptions that are source-labeled instead of silently defaulted. Whether that workflow justifies the price depends on your volume, verification process, and existing tools.
Ready to run a real deal and compare the screening results yourself?
Free 60-second analysis with labeled starting assumptions and no signup. Pro calculates the highest modeled Offer Ceiling that still meets your selected targets under the assumptions shown.
Underwrite the next deal — free.
TrueCap free covers cap rate, CoC, DSCR, NCF, and monthly cash flow. Pro adds 10-year cash-flow and equity projections, sensitivity, Offer Ceiling, co-branded share links, and PDF reports with Pro; see live pricing for current terms. No card to start.