Innago vs Landlord Co-Pilot: 2026 Comparison for Small Landlords
TL;DR
Innago is genuinely free for landlords — no monthly fee, no setup fee, no contract. They make money on the tenant side (transaction fees on rent payments) and on optional paid add-ons (such as tenant screening, which the tenant typically pays). Landlord Co-Pilot is $19/month or $179/year on the Pro plan, with a free tier for 1 active property. We are not cheaper than Innago and we will not pretend otherwise. The differentiation is AI workflows (email drafting, photo-based maintenance triage, receipt parsing, NOI analytics) and bilingual lease e-signature in English, Spanish, and Chinese — neither of which Innago offers. If you primarily want free software, Innago is a legitimate choice. Choose Landlord Co-Pilot when you specifically want AI assistance or multilingual leases.
At-a-glance comparison
All figures verified May 2026 against innago.com and our own pricing page. Where Innago does not publish a specific number on their site, we use "not advertised" rather than guessing.
| Feature | Landlord Co-Pilot | Innago |
|---|---|---|
| Pricing model | Flat-rate Pro + free tier | Free for landlords (tenant-side fees + paid add-ons) |
| Monthly price | $19/month (Pro) | $0 for landlords |
| Annual price | $179/year (~21% off, $14.92/mo equivalent) | $0 for landlords |
| Free tier | 1 active property, all features, 10 AI calls/month | Yes — full platform free, unlimited units |
| Online rent collection (ACH) | Yes, via Stripe Connect, no platform fee | Yes; tenant pays a per-ACH transaction fee |
| Card payments | Yes, tenant pays card processing | Yes, tenant pays card processing |
| Platform fee on rent | None (Stripe Connect pass-through) | None to the landlord; tenant absorbs transaction cost |
| Tenant screening | TransUnion SmartMove pass-through, tenant pays | Available as paid add-on, typically tenant-paid |
| Lease e-signature | Yes, in-app, audit trail (IP + timestamp + document hash) | Yes, in-app, English |
| Bilingual leases (EN/ZH/ES) | Yes — English, Spanish, Chinese PDFs | No — English only |
| Move-in / move-out inspections | Yes, photo-documented, built-in | Not advertised as a built-in workflow |
| AI features | Email drafting, maintenance triage, photo diagnosis, receipt parsing, NOI analytics | None advertised |
| Maintenance dispatch | Built-in with AI categorization and contractor handoff | Tenant-submitted requests + messaging |
| Income & expense tracking with monthly summary | Yes — paid rent + completed maintenance auto-import, manual entries for mortgage/insurance/tax/HOA, monthly summary | Yes — built-in income/expense ledger (limited categorization) |
| Tax reports (Schedule E) | Schedule E-ready exports + per-property NOI | Income/expense tracking |
| Listing syndication | Not offered | Yes — multi-site listing |
| Target audience | Small landlords wanting AI + bilingual leases | Cost-sensitive landlords who want full landlord-side software for $0 |
Innago pricing and feature scope change periodically. Confirm current details on innago.com before deciding.
Pricing
Innago is genuinely free for landlords. There is no monthly fee, no setup fee, and no contract. Innago's revenue comes from the tenant side — tenants pay transaction fees when they pay rent through the platform — and from optional paid add-ons such as tenant screening. For a landlord whose tenants are willing to absorb a small per-payment fee, the running cost of Innago is $0.
Landlord Co-Pilot Pro is $19/month or $179/year (the annual works out to $14.92/month, about 21% lower than monthly). There is also a free tier with one active property, all features included, and a soft cap of 10 AI calls per month.
On price alone, Innago wins. We are not going to pretend otherwise. The honest question is whether the AI workflows and bilingual lease e-signature Landlord Co-Pilot ships — neither of which Innago offers — are worth $19/month to you. For some landlords the answer is yes; for many it is no, and Innago is the right pick.
Rent collection
Landlord Co-Pilot routes rent through Stripe Connect with no platform fee on top of Stripe's standard ACH and card processing. Dollars flow directly to a connected account you control. Tenants pay nothing on ACH; card processing is passed through.
Innago supports ACH and card rent collection. The landlord pays $0; the tenant pays the per-transaction fee on each rent payment. The exact fee changes periodically and varies by payment method — verify on innago.com before signing up.
For landlords whose tenants pay primarily by ACH, both platforms come out roughly equivalent: Innago shifts a small per-payment cost to the tenant, Landlord Co-Pilot bills the landlord a flat subscription and charges no per-payment surcharge. The practical choice depends on whether you would rather absorb a flat $19/month yourself or pass small fees to your tenant on each transaction.
Tenant screening
Both platforms support credit, criminal, and eviction reports with the tenant paying for the report. Landlord Co-Pilot integrates with TransUnion SmartMove as a pass-through — the tenant pays the screening fee directly and the landlord never handles their data or payment.
Innago offers screening as a paid add-on, typically with the tenant covering the cost. The applicant flow is integrated with the rest of the tenant portal so the same applicant who fills out an application can move through screening without leaving Innago.
For a landlord screening a handful of applicants per year the screening UX on either platform is functionally similar. The cost to the landlord is effectively $0 on both since the tenant covers it.
Lease e-signature
Landlord Co-Pilot generates lease PDFs client-side via jsPDF and supports e-signing in English, Spanish, and Chinese — the same lease can be issued in the language the tenant reads. The audit trail records each signer's IP address, timestamp, and the document hash that was signed.
Innago includes lease e-signature in English at no charge. The signing flow is integrated with the rest of the tenant portal so a tenant who fills out an application can sign their lease in the same place.
For landlords whose tenant base is monolingual English, Innago's e-signature is functionally equivalent and free. For landlords serving bilingual Spanish-speaking or Chinese-speaking tenants — common in California, Texas, Florida, New York — issuing a lease the tenant fully reads in their first language is both a clarity win and a stronger legal position if a dispute reaches a small-claims court. Bilingual lease e-sign is the single largest functional reason to pick Landlord Co-Pilot over Innago.
AI features
This is the second-largest functional difference, after multilingual leases. Landlord Co-Pilot ships several AI-assisted workflows: email categorization that triages tenant inbox messages into rent, maintenance, lease, and other buckets; AI-drafted reply suggestions you can edit and send through Resend; photo-based maintenance diagnosis that categorizes a damage photo and suggests the trade (plumber, electrician, HVAC); receipt parsing that converts photographed receipts into expense entries tagged for Schedule E; and NOI analytics that summarize net operating income per property and across the portfolio.
Innago does not advertise AI features in their public product surface as of this writing. The Innago product is a solid, well-built free-to-landlord platform centered on rent collection, lease management, and tenant screening — but it is not optimized around AI compression of recurring tasks.
The AI features matter most for landlords who consider their time the binding constraint. If you handle 5–10 units and find yourself spending an evening a week on tenant emails, maintenance triage, and receipt categorization at tax time, the AI compression typically saves several hours per month — at $19/month, the break-even is meaningfully below an hour saved.
Maintenance
Landlord Co-Pilot pairs tenant-submitted maintenance requests with AI categorization and a contractor handoff workflow. A tenant uploads a photo through the tenant portal; the AI suggests the trade and priority; the landlord dispatches to a saved contractor or a one-off vendor; the work order tracks through to completion with a timestamped log.
Innago supports tenant-submitted maintenance requests with messaging and tracking. The workflow is solid but does not include AI categorization, photo-based diagnosis, or formal move-in/move-out inspections.
Move-in and move-out inspections are first-class objects in Landlord Co-Pilot — you walk the unit, photograph each room's state, the tenant signs the inspection report, and that record is what you reference at deposit-return time. This is a frequent source of small-claims disputes for self-managing landlords, and the documented record is the protection. Innago does not advertise a built-in inspection workflow.
When to choose Innago
Choose Innago if your primary goal is paying $0 for landlord software. Innago is genuinely free for landlords with no asterisks on the landlord side — you pay nothing, your tenants absorb the per-transaction fees on rent. For a single-unit landlord who collects rent once a month and is fine passing a small fee to the tenant, the running cost is effectively zero.
Choose Innago if your tenants are all monolingual English speakers and you do not need AI assistance. Innago covers the core landlord workflows well — listings, applications, screening, lease signing, rent collection, maintenance requests — and at $0 it is a strong product.
Choose Innago if you are starting from one or two units and want to validate the "do I need landlord software at all?" question without committing to a subscription. There is no contract and no upgrade pressure; if you outgrow the free model later, you have lost nothing trying it.
When to choose Landlord Co-Pilot
Choose Landlord Co-Pilot if your tenants speak Spanish or Chinese and you want a lease they can fully read and sign in their language. Bilingual lease e-sign in English, Spanish, and Chinese is not a feature Innago offers, and it is a real differentiator in California, Texas, Florida, New York, and other states with large bilingual populations. This is the single most concrete reason to pay $19/month instead of using Innago for free.
Choose Landlord Co-Pilot if you want AI workflows that compress the recurring tenant-email, maintenance-triage, and receipt-categorization tasks. Innago does not ship AI features. For a landlord handling 5–10 units, the hours saved per month from AI email drafts and photo-based maintenance diagnosis usually exceed the $19 in time-value within the first month.
Choose Landlord Co-Pilot if you want move-in and move-out inspections as a first-class workflow, with photo documentation and tenant signatures that protect you at deposit-return time. Innago does not advertise this as a built-in feature; the documented inspection record is one of the most concrete protections a self-managing landlord can have against small-claims disputes.
Choose Landlord Co-Pilot if you do not want to pass per-transaction fees to your tenants. With Stripe Connect ACH and no platform fee, tenants pay nothing per ACH transfer on our platform; on Innago they absorb the per-payment fee on each rent payment.
Frequently asked questions
Honest answers to the most common questions about how the two platforms compare. Where pricing is involved, all figures are current as of May 2026 and we link out to the source pages so you can verify.
Is Innago really free for landlords?
Yes. Innago advertises "Simple. Powerful. Free." with no monthly fee, no setup fee, and no contract. Their revenue comes from tenants (per-transaction fees on rent payments) and from optional paid add-ons such as tenant screening. We are not going to pretend Landlord Co-Pilot is cheaper than free — we are not.
Then why would I pay $19/month for Landlord Co-Pilot instead of using Innago for free?
Two specific reasons. First, bilingual lease e-signature: if your tenants speak Spanish or Chinese, Landlord Co-Pilot issues the same lease in their first language; Innago does not. Second, AI workflows: email drafting, photo-based maintenance triage, receipt parsing, and NOI analytics that typically save several hours a month for a 5–10 unit landlord. If neither of those applies to your situation, Innago is a legitimate free choice.
Does Innago have AI features like maintenance triage or email drafting?
Not as of this writing. Innago's public product surface does not advertise AI categorization, AI-drafted email replies, photo-based maintenance diagnosis, or receipt parsing. Landlord Co-Pilot includes all four at the Pro tier.
Does Innago support bilingual leases?
No. Innago offers lease e-signature in English only. Landlord Co-Pilot supports lease e-signature in English, Spanish, and Chinese — the same lease can be issued in the language the tenant reads.
Does Landlord Co-Pilot have a free tier?
Yes. Landlord Co-Pilot's free tier covers 1 active property with all features included — inspections, lease e-sign, screening, rent collection, tenant portal in English, Spanish, and Chinese — and a soft cap of 10 AI calls per month. Innago's free model allows unlimited units on the landlord side but no AI and no bilingual leases.
Can I switch from Innago to Landlord Co-Pilot?
Yes. Neither platform locks you in. Export your tenant ledger and lease PDFs from Innago, then upload them as documents in Landlord Co-Pilot. Existing tenants are invited via the tenant portal flow; active leases can be re-created in the system or kept as static PDFs in the documents bucket.
How does rent collection differ between Innago and Landlord Co-Pilot?
Landlord Co-Pilot routes rent through Stripe Connect with no platform fee added on top of Stripe's standard ACH and card processing; tenants pay nothing per ACH transfer. Innago is free to the landlord and shifts the per-transaction fee onto the tenant on each rent payment. The trade-off is real: pick the model your tenants will be happier with.
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