Your Portfolio Has Multiple Owners. Track It That Way.

Most portfolio spreadsheets assume a single owner. You have properties in your own name, some held jointly with a spouse, one or two inside an SMSF, and maybe a company or SPV sitting over the top of a development. The moment you try to calculate a real number that matters, the single-owner model falls apart.

Take LVR. Your personal LVR and your SMSF’s LVR are not the same figure, and they should never be added together. An SMSF running a limited recourse borrowing arrangement is ring-fenced. The lender has no claim on your personal assets. If your dashboard rolls every loan into one blended LVR, you are looking at a number that means nothing to any lender you will ever talk to.

The same problem shows up with cash flow, tax position, and equity release capacity. A trust distributes to beneficiaries. A company pays tax at the company rate. Your personal negatively geared property offsets your personal income, not the trust’s. Blend them and every downstream decision is built on a fiction.

Structures Property Insights understands

When you add a property, you assign it to an ownership structure rather than just “you”. The supported types are:

• Individual
• Joint tenants (with ownership split, so a 50/50 or 80/20 hold reports correctly)
• Trust
• SMSF
• Company / SPV

Each structure keeps its own set of numbers. A property held 60/40 as tenants in common attributes 60 percent of the income, expenses, and equity to one owner and 40 percent to the other, so the personal tax picture reflects what actually flows to each individual.

A worked example

Say you hold three properties:

• A townhouse in your own name, worth $720,000 with a $430,000 loan
• An apartment held 50/50 with your partner as joint tenants, worth $610,000 with a $380,000 loan
• A commercial unit inside your SMSF, worth $540,000 with a $290,000 LRBA

A single-owner tool tells you total debt is $1.1m against $1.87m in property, so a blended LVR of about 59 percent. That figure is useless. No one lends against it.

Property Insights reports it the way your accountant and your broker actually think about it:

• Your personal exposure: the full townhouse loan plus your half of the apartment loan, measured against the assets you personally own
• The SMSF: a standalone LVR of roughly 54 percent on the commercial unit, with its own cash flow and its own contribution and liquidity constraints
• Your partner’s half of the apartment, sitting in their column

Now when you ask “can I release equity to fund the next purchase?”, you are asking it of the correct entity. The SMSF’s equity cannot fund a personal deposit. Seeing that separation on screen stops a common and expensive mistake before it happens.

Why this matters for the numbers you rely on

DSCR is the clearest case. Lenders assess servicing at the entity level. A trust with three properties and a corporate trustee is assessed on the trust’s income against the trust’s obligations. If your DSCR calculation is smeared across your personal salary and the trust’s rent, you cannot tell whether the trust actually services its own debt. Property Insights calculates DSCR per structure, so the number you see is the number a lender would arrive at.

The same applies at tax time. Your individual return, the trust’s return, the company’s return, and the SMSF’s return are separate lodgements. Having income and expenses already attributed to the right entity means the export you hand your accountant matches the returns they need to prepare, rather than a lump you both have to unpick.

Setting it up

You define structures once, then attach properties to them as you add them. If you already entered a property under the wrong owner, you can reassign it and the historical actuals move with it. For joint and tenants-in-common holdings, you set the ownership percentages at the property level, and every yield, equity, and cash flow figure splits accordingly.

The free tier includes multi-owner structure support on both properties you can add without paying, so you can model a personally held property alongside an SMSF holding and see the separation work before you decide to track your whole portfolio.

Track your own portfolio free → prop-insights.app