--- title: "How Lighthouse Vacation Rentals Cut Expense Management Work by 80%" description: "Generic expense management tools aren't built for vacation rentals. See how Lighthouse Vacation Rentals eliminated revenue leaks and manual reconciliation with the Track and Topkey integration." canonical: "https://topkey.io/customer-stories/how-lighthouse-vacation-rentals-cut-expense-management-work-by-80" language: "en" --- [ Customers ](https://topkey.io/customers) # How Lighthouse Vacation Rentals Cut Expense Management Work by 80% PMS Track Accounting Software QuickBooks Online Region St. Simons Island & Sea Island (GA) Listings 160 The Impact $6,000 Recovered monthly in previously missed owner reimbursements. 80% reduction From 20 hours to 4 hours per month managing expenses. Expense leakage All major expense leakages have stopped. > Topkey is a digital assistant that replaces hours of tedious work, improves your client relationships, and gets you free time back. CEO & Owner , Lighthouse Vacation Rentals [Lighthouse Vacation Rentals](https://lighthousevacations.com/) serves one of Georgia's most desirable vacation markets—the coastal barrier islands of St. Simons and Sea Island. Managing 160+ premium properties in partnership with Banker Real Estate, the company differentiates through local expertise, transparency, and professional operations. As a well-established operator in a competitive market, they pride themselves on delivering exceptional service to both guests and homeowners. But even sophisticated operations face challenges when their financial tools aren't purpose-built for STR management. Before Topkey, Lighthouse was losing approximately $6,000 monthly to expense leakage and spending 20 hours each month on manual reconciliation—not because of poor management, but because generic expense tools couldn't handle the complexity of STR operations. ## **The Challenge: Manual Processes Creating Revenue Leaks** When Lighthouse's leadership team evaluated their expense management workflows, they discovered a system held together by spreadsheets, email chains, and persistent follow-up. Their corporate card process existed on paper, but compliance was approximately 10%. Team members were supposed to submit receipts immediately after purchases, but reality looked different. "There was a lot of chasing, a lot of sending emails, text messages, screenshots. Hey, what's this? Countless hassles," the owner recalls. The biggest pain wasn't the administrative burden—it was the financial impact. Expenses that should have been billed to homeowners for reimbursement were falling through the cracks. By the time Lighthouse discovered a missing expense, weeks or months had passed. Going back to a homeowner 11 months later with a $4,000 refrigerator bill wasn't professional—especially for a company that had matured well beyond startup chaos. The financial leakage was significant: approximately $6,000 monthly in missed reimbursements. But there was a secondary cost: the brand impact of appearing unorganized when billing owners late or inconsistently. ### **The Real Problem: Tools That Don't Understand Hospitality** Lighthouse evaluated multiple solutions before finding Topkey, including Expensify and other general expense management platforms, as well as QuickBooks' native tools. Nothing fit their STR workflows. "There's a lot of development we'd have to do to make that really go all the way through," the owner explains about generic platforms. "They don't know hospitality or PMS systems." QuickBooks offered some expense tracking features, but they were completely unusable for vacation rental operations—they simply moved the work around rather than solving the problem. The fundamental issue: while data collection tools existed, none of them understood how to process that data for the STR industry. "A lot of tools will help you collect the data," Lighthouse's owner notes. "Processing that data better, none of the tools really support that." None integrated deeply with Track. None understood the workflow from expense to owner billing. None were purpose-built for property managers. ### **Quantifying the Manual Burden** Before Topkey, Lighthouse's team—including a bookkeeper and two owners—spent approximately 20 hours monthly managing expenses. But the real problem wasn't just the hours spent—it was that after spending those hours, expenses were still falling through the cracks, owners weren't getting billed properly, and the team lacked visibility into their actual spending. "We're probably spending 20 hours a month," the owner estimated. "It doesn't seem like a massive project, but in those 20 hours, we weren't really achieving the outcome." As Lighthouse's leadership emphasized, time savings alone is the lowest value output of a tech solution. "Did we save time? Yes. Did we do this to save time? No." They were exporting credit card transactions to spreadsheets, uploading files to SharePoint, manually carving up expenses by person, chasing receipts through text messages, and attempting to match charges to properties and work orders. The process was fragmented across Chase's banking portal, Excel, SharePoint, Track, QuickBooks, and custom internal tools they'd built just to search for transactions. They even built a customer tool just to search by transaction amount and see if anyone had been billed for it. These workarounds were symptomatic of a deeper problem: no system connected the dots between expenses and owner billing. ## **The Solution: Topkey’s Integration with Track + QuickBooks** When Lighthouse discovered Topkey, the difference was immediately apparent. Rather than trying to adapt a generic expense tool to vacation rental operations, they found a platform built specifically for their industry's workflows. ### **Seamless Onboarding and White-Glove Support** "Onboarding was like a white glove service," the owner of Lighthouse Vacation Rentals recalls. "Very hands-on and easy." The implementation began with calls where Topkey's team walked them through every integration point. Bank accounts and QuickBooks connected through simple point-and-click configuration—no technical expertise required. "You guys just walked us through every step." Lighthouse started with a pilot deployment of five corporate cards for an initial user group. The cards arrived within three to five days, and the team began using them immediately. From there, weekly meetings with Topkey's customer success team became the norm—not just during onboarding, but continuing well beyond implementation. "We use a lot of different tech products, and most people, once you're onboarded, have a nice life," the owner notes. "You guys have not done that. It's been a very tight connection the whole time." This ongoing partnership approach—more consulting than traditional vendor support—proved crucial as Lighthouse refined their workflows and provided feedback on product features. ### **The Track Integration Differentiator** The integration between Topkey and Track became Lighthouse's most powerful tool for stopping revenue leakage. Generic expense platforms can collect transaction data, but they can't process it in a way that's meaningful for property managers using a PMS. "That was an absolute requirement," the owner explains about Track integration. "When I can click bill and they're just billed, that's where all the value is coming from, really, or the biggest chunk of it." The workflow transformation was dramatic. Previously, categorizing an expense in an external tool accomplished nothing—team members still had to manually enter that expense in Track to bill the homeowner. With Topkey's deep Track integration, categorized expenses flow directly to owner billing with a single click. For card-related transactions, Topkey became the single source of truth. "I can see the receipt, the comments, who, the dates," the owner explains. "If they haven't provided the info, I can just click a button to reprompt them. For all card-related matters, you gotta go to Topkey." ### **Building Transparency Through Bill Pay** Lighthouse places tremendous value on transparency with homeowners. In an industry where some property managers markup vendor invoices or add hidden fees, Lighthouse differentiates through complete openness. "Transparency is very important in our brand," the owner emphasizes. "In our marketplace, there's an intentional often lack of transparency where property managers are rounding up fees or adding on things. Vacasa was sued over it for the amount of fee creativity they were doing." Topkey's bill pay functionality supports this transparency strategy. When a plumber bills $100, Lighthouse bills the owner $100 with no markup, and they can attach the actual vendor invoice to the owner's statement in Track. "If a plumber bills us $100, we're not adding any markup to that," the owner explains. "What we want is for our customers to have full transparency and to see that bill from the plumber and say, it's $100." This capability directly addresses owner skepticism about property manager billing practices. By showing the exact vendor invoice, Lighthouse builds trust and differentiates from competitors who obscure their fees. Even for charges Lighthouse chooses to cover, they can still display it on the owner's statement as a zero charge, demonstrating the value they're providing. ## **The Impact: From 20 Hours to 4, From Guesswork to Clarity** ### **Dramatic Time Reduction** The most immediately visible transformation came in time savings: from 20 hours monthly to approximately 4 hours—an 80% reduction. "Probably four hours, an hour a week for those sets of tasks," the owner estimates for current expense management time. This includes all receipt tracking, approval workflows, and categorization work that previously consumed entire days. The reduction came from eliminating fragmented workflows. No more logging into Chase to look up transactions. No more Excel exports and SharePoint uploads. No more chasing team members for receipt uploads through text and email. No more using custom-built search tools to find specific charges. "I have not logged into our credit card system, Chase, since deploying Topkey. Not one time have I needed to do that," the owner explains. "Excel is almost zero part of the process, and it was very prominent before." ### **Stopping the Revenue Leaks** While Lighthouse still experiences some minor expense leakage, the major financial gaps have closed completely. "There are no big leaks. We've not lost any refrigerators. And we were before," the owner states. That $6,000 monthly leakage from missed reimbursements has been dramatically reduced. High-cost items like appliances, major repairs, and equipment purchases now get billed to homeowners promptly rather than discovered months later when it's too late to professionally request reimbursement. The transformation came from visibility and workflow automation. When expenses flow from corporate cards directly to Track with property assignments, there's no opportunity for transactions to disappear into spreadsheets or get forgotten in email threads. ### **Peace of Mind and Financial Accuracy** Beyond time and money, Topkey delivered something harder to quantify: confidence in financial operations. For expenses that aren't meant for owner reimbursement, Lighthouse gained visibility they never had before. Internal expenses, inventory purchases, bulk supplies—all needed proper categorization for accurate P&L reporting and financial planning. "We buy inventory for resale. We buy supplies for bulk reimbursement," the owner explains. "We have to total that up each quarter and then correctly attribute that cost fairly. That was very unwieldy to do before." Pre-Topkey, the team's mindset was binary: if an expense was reimbursable, they captured detailed information. If it was internal, they documented almost nothing beyond "non-reimbursable." But for accurate financial management, "it's not all we need to know," the owner emphasizes. Now, field staff can tag expenses at the time of purchase with their best categorization guess. Before transactions sync to QuickBooks, the finance team reviews and refines those categories. The result: an accurate P&L with proper granularity for analyzing expenses year-over-year and identifying cost trends. "I can compare my expenses year over year, month over month, and see, are there areas we improved expenses this year? Are there areas where we're going the opposite way?" the owner explains. "We have that visibility. That was a countless hours exercise that often was fruitless before." ## **Enhanced Workflows: Amazon Business and Beyond** ### **Streamlined Amazon Purchasing** Lighthouse uses Amazon Business extensively for supplies, inventory, and property needs. While Amazon's native reporting provides decent data export capabilities, having everything consolidated in Topkey eliminates yet another system to manage. "I don't go into Amazon anymore to categorize these," the owner explains. "I just go into Topkey because I can quickly search on the amount, click, see the invoice, some copy and paste, and it's done." The time savings may be modest compared to other integrations, but the consolidation matters. One less system to log into, one less place to search for transaction details, one unified workflow for all expense management. ### **Simplified Bill Management** Lighthouse uses Topkey for bill management beyond just corporate cards. Vendor invoices flow into Topkey for payment processing, though they currently push those bills to Track for payment rather than paying directly through Topkey. The reason: Track's payment data needs to feed bank reconciliation workflows in their PMS. "I can't pay those bills through Topkey, even though you have great payment features, because that payment data doesn't go into my PMS where I'm doing bank reconciliation," the owner explains. Currently, Lighthouse pushes bills from Topkey into Track and uses Track's payment module, which the owner describes as "pretty antiquated" and focused on paper check processing. They're currently printing checks every month for vendor payments. The future state would involve paying bills directly in Topkey with payment records automatically syncing to Track, but that integration depth isn't yet available. ## **System Consolidation: What Topkey Replaced** The transformation in Lighthouse's tech stack demonstrates Topkey's comprehensive impact on financial workflows. ### **Eliminated Systems and Processes** **Chase Banking Portal:** "I have not logged into our credit card system, Chase, since deploying Topkey. Not one time," the owner states. **Excel Reconciliation:** "Excel is almost zero part of the process, and it was very prominent before," the owner explains. The old workflow of dumping data to SharePoint and carving it up into sheets for each person is completely gone. **Custom Internal Tools:** Tools like "Bill Browser," built simply to search for transactions by amount and see if anyone had been billed, are no longer necessary. **SharePoint Receipt Management:** The entire workflow of exporting files, uploading to SharePoint, and managing receipt folders by person has been eliminated. **QuickBooks Double-Entry:** Previously, corporate card transactions synced to QuickBooks where they required manual categorization before being re-entered in Track for owner billing. "Our efforts in QuickBooks are less, because those corporate cards you used to sync into QuickBooks, then I have to categorize them there first," the owner notes. **Track Data Extraction Tools:** "Track is very hard to get data out of," the owner explains. "We have all sorts of API calls to put in databases to build reports and tools. We don't have to use those tools anymore." ### **The Compounding Value of Consolidation** Each eliminated system represents not just time saved, but complexity removed. As the owner notes, "Excel-based processes are fraught with problems and errors." Custom tools require maintenance. Multiple data entry points create opportunities for mistakes and inconsistencies. By consolidating around Topkey as the central platform for expense management, with deep integrations to Track and QuickBooks, Lighthouse transformed their financial operations from a patchwork of tools into a coherent workflow. ### **Reinvesting Time in Strategic Growth** With 16 hours monthly recovered from expense management, plus countless additional hours saved by eliminating Chase logins, Excel reconciliation, and custom tool usage, Lighthouse redirected that capacity toward growth initiatives. "We have reinvested our time into better tooling for our homeowners and for our guests," the owner explains. This reinvestment strategy exemplifies the true value of operational efficiency tools. The goal isn't just to save time—it's to redirect that time toward activities that differentiate the business and create value for customers. For Lighthouse, that means enhanced owner portals, improved guest communication systems, and operational tools that elevate their service delivery. These investments strengthen their competitive position and support continued growth without proportional increases in administrative burden. ## **Why Property Managers Choose Topkey** When asked what advice they'd give another property manager evaluating expense management solutions, Lighthouse's leadership was direct: "Just do it. Deploy this. It's going to go great." But one aspect of the relationship exceeded expectations: the ongoing partnership approach. "During the sales process, I was promised, hey, you're going to have these weekly connections, and we're going to make sure everything's fine. That was actually true," the owner explains. "And almost all account managers for every technology we buy are there to sell you more technology. That has not been the relationship. It's been the opposite of that. You've only helped us to deploy the technology we bought." This customer success philosophy—focused on maximizing value from existing features rather than upselling additional products—proved particularly valuable as Lighthouse refined their workflows and provided product feedback. "I have found you guys to be entrepreneurial and open-minded," the owner notes. "We talk about ideas. Sometimes they just show up in the product." The collaborative relationship extends to product development. Feature requests get documented and evaluated, and sometimes those suggestions appear in the product. This feedback loop between real-world usage and product development creates continuous improvement. ### **Topkey in One Sentence** When asked to describe Topkey concisely, Lighthouse's owner offered this description: "Topkey is a digital assistant to replace hours of tedious work, improve your client relationships, and get you some free time back." That summary captures the platform's multi-dimensional value: operational efficiency through automation, enhanced owner relationships through transparency and accuracy, and capacity freed up for strategic work. ## **The Strategic Advantage of Purpose-Built Financial Operations** Lighthouse Vacation Rentals' transformation demonstrates what happens when property managers access tools designed specifically for their industry rather than adapting generic business platforms. The 80% reduction in expense management time, the $6,000 monthly revenue recovery, the elimination of Chase logins, Excel exports, and custom tools — all of it is real and measurable. But the most significant impact is strategic: Lighthouse now operates with confidence that their financial workflows scale alongside their business growth. When expenses flow seamlessly from corporate cards to Track owner billing, when vendor invoices include complete documentation for homeowner transparency, when P&L categorization happens with granularity and accuracy — property managers can focus on differentiation rather than administration. ### **The Track Integration Advantage** For property managers operating in Track, Lighthouse's experience offers a clear lesson: expense management can't live in a silo. It needs to integrate deeply with daily PMS workflows, not exist as a separate system requiring manual data bridges. Generic expense tools collect transaction data well. But they can't process that data in ways meaningful to property managers. They don't understand work orders, property assignments, or owner billing workflows. They force workarounds and manual re-entry that consume time and create opportunities for errors. Platforms built specifically for vacation rental operations eliminate those friction points. When technology understands how property managers actually work—in their PMS, with owner billing requirements, within hospitality workflows—operational efficiency becomes a competitive advantage. Ready to stop the revenue leaks and reclaim your time? [Schedule a free Topkey demo](https://topkey.io/demo) and discover how our Track integration transforms financial workflows for property managers. Interested in learning more about Lighthouse Vacations? 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more](https://topkey.io/customer-stories/how-arrived-recouped-250k-in-expenses-with-topkey) [ Streamline ### How Solely Beachfront Eliminated Expense Leakage with Topkey ](https://topkey.io/customer-stories/how-solely-beachfront-eliminated-expense-leakage-with-topkey) [Read more](https://topkey.io/customer-stories/how-solely-beachfront-eliminated-expense-leakage-with-topkey) [ Guesty ### How Anchor Point Premier Vacations Removed Financial Fear with Topkey ](https://topkey.io/customer-stories/how-anchor-point-premier-vacations-removed-financial-fear-with-topkey) [Read more](https://topkey.io/customer-stories/how-anchor-point-premier-vacations-removed-financial-fear-with-topkey) [ OwnerRez ### How HeavenlyRez Removed 10 Hours of Manual Spreadsheet Work per Week ](https://topkey.io/customer-stories/how-heavenlyrez-removed-10-hours-manual-spreadsheet-work-per-week) [Read more](https://topkey.io/customer-stories/how-heavenlyrez-removed-10-hours-manual-spreadsheet-work-per-week) [ Hostaway ### How Hostwise Increased Profit Margin with Topkey ](https://topkey.io/customer-stories/how-hostwise-increased-profit-margin-with-topkey) [Read more](https://topkey.io/customer-stories/how-hostwise-increased-profit-margin-with-topkey) ## Disclosures \*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. \*\*Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.