Market scan, the nine-point AI check, rehab budgets, transport and titles.
37 functions
For mobile home dealers and rent-to-own operators
From lot
From lot
to payout.
The homes, the contracts, the collections, and the investors who paid for the inventory. One system.
1420 Aldine Bender RdHouston, Texas
Purchase$26,098.00
Renovation$0.00
Transport$2,300.00
Total invested$28,398.00
Floor price$37,898.00
Actual profit$3,102.00
RTO applicationApproved
Identity verifiedDone
Contract signed from the phoneDone
Financed$31,500.00
Term60 months
Payment 4 of 60, up to date. The invoice goes out on its own every month.
The same figure, twiceBoth views reconcile
Business view
Investor money in: $150,000. Not income — it is a debt you now owe. Only the interest will be a cost.
Accounting view
Dr · Bank150,000.00
Cr · Notes payable150,000.00
Click any figure and you see the transactions behind it.
Payout, the 1st30 notes
Out on the 1st
$74,838.06
Principal$28,636.06
Interest$46,202.00
Obligations outstanding$4.5M
Emailed to treasury five days early, without anyone asking.
Ask your own numbersLive database
“Which homes have been sitting over ninety days?”
A chatbot with sixteen tools answers from your live data. By typing or by voice.
Six specialised agents
MarketCostsPrice
PhotosRehabVoice
The only rent-to-own system that also keeps the books of the private capital that funds your portfolio.
Investor obligations under management$4.5M
Investor notes on the book30
Homes sold a year150
Running a Texas dealership sinceDecember 2025
No more.
How it is done today
With tum·ai
How it is done todayTyping the same contract four times for one sale.
With tum·aiFour documents generated from the record and sent for signature.
How it is done todayFinding out months later that a title never transferred.
With tum·aiEvery serial on the lot checked against the state register overnight.
How it is done todayWorking out interest in a spreadsheet the night before payments go out.
With tum·aiEvery note accrues on its own. Treasury gets the list five days early.
How it is done todayTwo sets of books that only agree once a year.
With tum·aiInvoiced across and reconciled every two hours.
Four pieces.
One system.
Every piece stands on the same books. You start with the base and add the ones your business actually needs.
Applications, identity, contracts, schedules, arrears and the buyer portal.
24 functionsInvestor notes, monthly accrual, the payout on the 1st and the reports.
39 functionsInventory, sales, customers, full double-entry accounting, documents, signature and the public catalogue. The books every other piece writes into.
86 functionsA sale in Homes opens its file in Capital. The two companies invoice each other and reconcile every two hours.
One home. Every number.
You find it
The market comes to you.
You stop driving lots and refreshing Marketplace. The app watches the sources you buy from and tells you the most this home is worth paying.
- Scans four to five sources and brings back the homes that fit your criteria
- Works out the area's average value and the maximum you should offer — 60% by default
- Scores every listing by price, by type and by distance inside a 200-mile radius
1420 Aldine Bender RdHouston, TexasCandidate
Scanning 4 sources
MHVillage$28,50082
Auction lot$21,20063
Marketplace$34,90041
Dealer trade$39,50028
Max recommended offer$26,100.00
You price it
What it will really cost you.
The condition, the rehab and the transport, priced before you commit. Every number lands on the home, so the floor price is arithmetic, not a hunch.
- A nine-point check the AI fills in by reading your photos, and you correct
- A rehab budget of nineteen trade items, labour and materials priced apart
- Every cost lands on the home itself, so the floor price is never a guess
1420 Aldine Bender RdHouston, TexasIn stock
What the home has to earn back
Purchase$26,098.00
Transport$2,300.00
Renovation$0.00
Target margin$9,500.00
Floor price$37,898.00
Go under this and the app says so.
You sell it
The buyer does the paperwork.
They find the home in your catalogue, apply, prove who they are and sign — from a phone. You generate four documents and the title watches itself.
- Your public catalogue takes the application, verifies identity and takes the signature from the phone
- Four documents generated per deal and sent for electronic signature
- Every serial checked against the state register overnight — Texas today, five more states ready
1420 Aldine Bender RdHouston, TexasSold · financed by you
Generated from the record, signed on a phone
- Sale agreement
- Promissory note
- Payment schedule
- Title transfer
Identity verifiedDone
State registerSSLAL30568Checked 06:00
They pay you
Sixty months of collecting.
No lender in the middle, which means the collecting is yours. The invoice, the reminders and the arrears run without you.
- The monthly invoice goes out on its own, one per contract
- Reminders three days before, on the day, and one day after
- Portfolio health: collection rate, delinquency rate and the amount at risk
1420 Aldine Bender RdHouston, TexasCollecting
One mark, one month
Payment 4 of 60, up to date.
Collected every month$525.00
Collected so far$2,100.00
Left to collect$29,400.00
Actual profit$3,102.00
Your investors get paid
And someone paid for it.
The money you bought it with has an owner, a term and a rate. The interest accrues by itself and the payout is computed, not typed.
- Interest accrues on every note by itself, month after month
- Two companies, separate books, invoicing each other and reconciling every two hours
- The payout list reaches treasury five days early, without anyone asking
Payout, the 1st30 notesFunded by 30 notes
| Investor | Period | Principal | Interest |
|---|---|---|---|
| Northgate Credit | 9 of 60 | 7,431.82 | 13,379.73 |
| Brightwater Capital | 3 of 60 | 2,932.58 | 6,492.62 |
| Daniel Reyes | 5 of 36 | 0.00 | 8,348.23 |
| Harbor 11 | 6 of 36 | 3,008.34 | 1,950.09 |
| Total | 28,636.06 | 46,202.00 |
Total to investors this month
$74,838.06
Four jobs.
Everyone skips the fourth.
RTO Pro, cynergi|suiteOperationsYesContractsYesInvestor notesNoGroup booksNo
Frazer, DealerClickOperationsSomeContractsYesInvestor notesNoGroup booksNo
Yardi, AppFolio, ManageAmericaOperationsYesContractsLeases onlyInvestor notesNoGroup booksYes
QuickBooks and a bookkeeperOperationsNoContractsNoInvestor notesBy handGroup booksBy hand
tum·aiOperationsYesContractsYesInvestor notesYesGroup booksYes
Swipe the table sideways to see all four.
The investor who paid for the home appears in none of them.
Not at $75 a month, and not at enterprise prices. It is not a budget problem — that customer does not exist for them.
Compared on published pricing and vendor product documentation, August 2026.
Two questions.
Do your buyers pay you every month, or a lender?
And the money you buy inventory with?
Answer both and you’ll see what you’d need
Answer both and your stack fills in.
Core$600/mo
Database, portals, accounting engine, assistant, automations.
Ops$400/mo
Market scans, condition reports, rehab budgets, transport, titles.
Rent to own$3/contract
Applications, contracts, schedules, arrears, invoicing, buyer portal.
Capital$25/note
Notes, accrual, payout runs, statements, second set of books.
Your stack—
Core and Ops are flat. Rent to own and Capital follow your book: $3 a month for each live contract your buyers owe on, and $25 for each note you owe your investors. A small operator comes to about $1,550 a month.
Fifteen minutes. A real dealership.
If you don’t carry your own paper, we’ll tell you so and you’ll have lost fifteen minutes.
Book a demo
or write to tumai2025@hotmail.com
- 1You tell us how you sellHow the buyer pays you, and whose money bought the home.
- 2We give you a demoA live walkthrough of the same screens you have seen here: the yard, the paperwork, the notes and the investor payout.
- 3You decideWhether it is worth a second call. No pressure either way.