First Officer for Real estate

Listing ads, staging, travel.
Worth more on the right card.

  • ✓The right card for each line of real estate spend.
  • ✓Every move waits for your yes.
  • ✓One number in dollars, every Friday.

Keep every vendor. Only the card changes.Keep every vendor. Only the card changes.

AmexHyattChaseUnitedVirgin AtlanticDeltaAeroplanMarriottEvery loyalty program. One desk to rule them all.

Illustrative examples: owners and conversations are fictional, figures are estimates. Not affiliated with, endorsed or sponsored by any bank, airline or hotel program. Program names and logos are trademarks of their owners, shown for identification only. Important information

Example app screens.
01 · The example

Meet Terrence.
One catch, in dollars.

Listing ads: 1.5x today. At 4x with Amex Business Gold (advertising), about $5,100 a year more, est. The desk shows the move first and waits for a yes.Listing ads: about $5,100 a year more at 4x, est.

Example mix · Real estateTerrence, Keystone Realty GroupDallas, TX · about $35k a month on cards
+$5,100a year, est.Listing ads1.5x → 4x
Per $1, est.1.2x → 3x
  • Listing ads$10.7k/mo1.5x → 4xAmex Business Gold (advertising)
  • Signage and print$7k/mo1x → 2xBlue Business Plus, then Capital One Venture Business
  • Agent travel$5.2k/mo1x → 3xInk Business Preferred (travel)
  • Closing gifts$4k/mo1.5x → 2xCapital One Venture Business
  • Everything else$8.1k/mo1.1x → 2.8xInk Business Cash, Capital One Venture Business and others
Fictional owner. Calculator figures, est.: every new point at 1.6¢.
How the lines code
  • Listing marketing and photosAmex Business Gold (advertising)up to 4x
  • Staging and prepCapital One Venture Businessup to 2x
  • Client travelInk Business Preferred (travel)up to 3x
  • CRM and softwareAmex Business Gold (software and cloud)up to 4x

Rates a line can earn on a card that rewards it, inside yearly caps, est. The codes on a statement decide.

$550a month, flat, whatever the desk finds
No lock-inmonth to month, no exit fee
Read onlyevery connection, always; nothing moves without your yes
Fridaythe dollar value of what was captured, every week
02 · Golden nuggets

What most real estate brokerages never hear
about their codes.

Every purchase carries a merchant code, and the code decides what a card pays for it.

A listing's marketing spans three codes

Ads typically code as 7311, photography as 7333 and print as 7338.

01
Free from the desk7 free items just for real estate brokeragesCodes, scripts, checklists and deadlines, plus the ones every business needs.→
03 · The codes

Where your money
actually lands.

Your vendors usually run your card under one of these codes.

Desk ledger · Real EstateCode · Category · Who usually runs it
7311Advertising Servicesusually listing ads
7333Commercial Photography, Art, and Graphicsusually listing photos
7338Quick Copy, Reproduction, and Blueprinting Servicesusually flyers and signs
7221Photographic Studiosusually portrait or event photographer
2741Miscellaneous Publishing and Printingusually commercial printer
7394Equipment, Tool, Furniture, and Appliance Rental and Leasingusually staging furniture rental
✓Merchant codes are set by each merchant's processor. Your statement is the final word, and the desk reads it before any move.
04 · Where the money hides

Four places real estate
money leaks.

None of the fixes change what you buy or who you buy it from.None of the fixes change what you buy.

01Earn

Listing marketing and photos belong on a bonus card.

Amex Business Gold can earn up to 4x on it in the card's top two categories each month, inside a $150K yearly cap. The desk tracks the cap and moves the next dollar before it fills.

02Burn

Points into Cancún for the top 6 agents.

The desk maps the programs, checks taxes and fees, and gives the trip a pace. It books only after you approve.

03Return

Friday counts it, in dollars.

What the desk found that week, checked against your statement. Desk fees and payroll stay off the card when a bill-pay fee would cost more than the points are worth.

04Learn

How signage and print code.

One short lesson a week from your own data: why the same purchase can code differently at two vendors, and what it means for you.

05 · Ask the desk

One question.
The whole desk works it.

Terrence asks in the thread. First Officer checks it against his spend and the latest rules, and hands back one answer.

Latest for Terrence
Biltto First OfficerEarn
Listing ads: about $10.7k a month at 1.5x today. At about 4x with Amex Business Gold (advertising), est. The desk shows the move in dollars and waits for Terrence's OK.
Just now: Delta rules checked · Aeroplan partner awards

Every program Terrence's spend touches, watched in one place. One voice answers him: First Officer.

Illustrative example. Terrence is fictional and every figure is an estimate. A person reviews every booking. Program names and logos are trademarks of their owners, shown for identification only.

07 · How it starts

Four steps.
No spreadsheets.

Today

The Found Money Call

Free, about 20 minutes, from your real statements.

Within 24 hours

Your strategy

Which card for which line, written for your vendors.

Week 1

Your first moves

Three moves, with the exact taps. Each waits for your yes.

Every Friday

Your scorecard

One number in dollars, next to a flat 2% card, after the $550 fee.

See if the desk pays for itself first.The call is free. If spend like yours won't clear $550 a month, it says so.