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Honest comparison

TrueCap vs Reonomy: residential underwriting vs commercial intelligence

Reonomy is commercial real estate intelligence — property data, owner contact info, debt + transaction history, tenant rosters across 50M+ CRE properties. Used by CRE brokers, lenders, and institutional investors for prospecting + due diligence. TrueCap is a residential rental underwriting calculator — single-family, small multifamily, owner-occupant. Different asset classes, different jobs.

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TL;DR

Use TrueCap when

  • You underwrite residential rentals (SFR, small multifamily, owner-occupant).
  • You want cap rate, CoC, DSCR, cash flow on specific addresses.
  • You're not pursuing commercial deals.
  • You want a free tier — no enterprise contract.

Use Reonomy when

  • You source commercial real estate deals.
  • You need CRE owner contact info for outreach.
  • You research CRE debt + transaction history for due diligence.
  • You're an institutional investor, broker, or lender working in CRE.

Feature-by-feature

Side-by-side on every dimension that matters for a comparison-shopping investor.

FeatureTrueCapReonomy
Primary asset class
Residential (SFR, small multifamily, owner-occupant)
Commercial (office, retail, industrial, multifamily 5+)
Primary use
Per-deal underwriting (decide if it cash-flows)
CRE property + owner intelligence (find + research)
Cap rate / CoC / DSCR analysis
Yes — full engine for residential
Not modeled (intelligence only)
10-year projection
Pro — rent + expense + appreciation
Not modeled
Address auto-fill (rent/rate/tax)
Yes — HUD + FRED + state property tax
CRE property data only
Commercial property data (50M+ properties)
No — residential focus
Yes — best-in-class CRE coverage
Owner contact info
No
Yes — phone + email for CRE owners
Debt + transaction history
No
Yes — mortgage + sale history
Tenant rosters (CRE)
No
Yes — tenant lookup
Free tier
Yes — full residential underwriting
Paid only (enterprise pricing)
Pricing
Free; Pro $19/mo
Custom (typically $300+/mo enterprise)

Reonomy details based on publicly available product info as of 2026. See reonomy.com for their current state.

Where investors use both

  1. If you do residential and commercial. TrueCap for residential underwriting; Reonomy for CRE prospecting + due diligence.
  2. Purely residential investors. Reonomy is overkill — residential MLS, PropStream, or DealMachine fit better. TrueCap handles the underwriting.
  3. Purely commercial investors.Reonomy + a CRE-specific underwriting tool (Argus, RealNex). TrueCap isn't built for CRE.

Want to see just the underwriting half? Try the cap rate calculator or the full TrueCap analyzer. Our guide on 60-second underwriting walks through the workflow end-to-end.

Common questions about TrueCap vs Reonomy

Quick answers to the questions investors comparison-shopping these tools actually ask.

Is TrueCap a Reonomy alternative?
No — different asset classes. Reonomy is commercial real estate intelligence. TrueCap is residential rental underwriting. The two don't overlap meaningfully.
Reonomy vs PropStream — which one?
Different asset classes. Reonomy is commercial real estate (office, retail, industrial, large multifamily). PropStream is residential (single-family, small multifamily, distressed sellers). If you're sourcing CRE deals, Reonomy. If you're sourcing residential off-market deals, PropStream.
Is Reonomy enterprise-only?
Effectively yes. Reonomy uses custom enterprise pricing (typically $300+/month and up depending on data tier and team size). They primarily serve CRE brokers, lenders, and institutional investors. For solo residential investors, the data isn't relevant and the price isn't justified.
Does Reonomy do underwriting?
No — it's a data intelligence platform. You pull property data, owner contact info, debt + transaction history, then use that data as input to your own underwriting model (an Argus model, an Excel CRE underwrite, or a custom institutional process).
Should solo investors care about Reonomy?
Only if you're moving into commercial real estate. For residential investing (the bulk of TrueCap's audience), Reonomy isn't relevant — the data doesn't cover SFR ownership in the way PropStream / BatchLeads do, and the price is built for enterprise budgets.

Underwrite the next deal — free.

TrueCap free covers cap rate, CoC, DSCR, NCF, and monthly cash flow. Pro unlocks projections, sensitivity, tax strategy, exit scenarios, deal score, MAO, PDF exports, and shareable read-only deal links. No card to start.

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