Lending
What is a DSCR loan? Everything investors need to know
DSCR loans let you qualify based on the property's cash flow, not your personal income. Here's how they work and who they're for.
Read more →Buy a rental property as simply as you buy a stock
One combined transaction: acquisition, lending, insurance, and property management. You build the portfolio. We handle the rest.
How it works
Five steps. One platform. Your portfolio.
From your first call to your growing portfolio, we coordinate every piece.
01
Build your investment plan
Talk with our team about your goals, timeline, and budget. We'll define your buying criteria together.
02
Choose your property
Browse the Lineage marketplace. Properties in high-yield markets, each with a full pro forma. You pick the deal.
03
We handle the close
Lending, insurance, and title, coordinated on one platform. Closings in as few as 13 days. No chasing providers.
04
Your property manager takes over
A local property manager handles tenants, maintenance, and rent collection. You collect cash flow.
05
Optimize your portfolio
Monitor properties, cash flow, and performance in one place. 71% of our investors go on to buy again.
“I tried investing on my own and ended up over-analyzing, then never making a decision. Lineage does all the analyzing for me, which finally helped me on my first out of state purchase.”
GJ
Gabriel J.
Lineage Investor
What you get
Pre-screened marketplace
Browse pre-negotiated properties in high-performing rental markets. Every property is titled in your name or your LLC. Full financial projections, inspection reports, and management plans included.
DSCR lending
DSCR (debt service coverage ratio) loans qualify based on the property's rental income, not your personal income. It's a built-in check that the investment math works. Closings in as few as 13 days. What's DSCR?
Property insurance
Get coverage placed before closing through Lineage Insurance. One less vendor to find, one less delay in your timeline.
Property management
Every property comes with a local property manager already in place. They handle tenants, maintenance, and rent collection at 8% of monthly rent, already factored into every pro forma.
Investor education
Market reports, investment guides, and analysis. Background on markets, returns, and what to expect before you buy.
Ongoing support
Your Investment Consultant stays with you after closing. Portfolio reviews, refinancing, and your next property. Your Investment Consultant stays with you after closing.
Why Lineage properties
Better pricing than you'd find on your own
Every property on the Lineage marketplace is pre-negotiated with built-in seller incentives. We source at volume across our markets, which means pricing independent buyers can't match. DIY investors routinely burn through thousands on failed inspections, appraisals, and lost earnest money deposits before finding a deal worth closing. That's the "learning tax" of early investing. Add the cost of trying to negotiate without volume leverage, and the $749 transaction fee pays for itself many times over.
The old way vs. the Lineage way
Without Lineage
With Lineage
$5,000–$7,000 lost before your first close even happens.
One team. One platform. Acquisition, lending, insurance, and property management coordinated from day one.
45 days to close. If your rate lock expires, you start over.
Closings in as few as 13 days. Everything moves in parallel, no resets or delays.
An HVAC that "blew hot and cold air" at inspection. Six months later, $6,000.
Every property is inspected after renovation. Major issues are fixed before closing.
You’re the project manager now. First bad tenant costs you $5,000 and four months.
Your property manager is vetted and in place at closing, with fast lease-up in top markets.
After closing, you’re the project manager nobody hired.
You review the numbers and decide. We handle everything else.
Why rental properties
Four ways rental properties generate returns
Stocks give you one path to growth. Rental real estate gives you four.
Appreciation
Properties in strong rental markets gain value over time. Your equity grows alongside your cash flow.
Tax benefits
Depreciation, expense deductions, and 1031 exchanges reduce your taxable income. Real estate is the most tax-advantaged asset class available to individual investors.
Cash flow
Monthly rent minus expenses. Positive cash flow from day one, deposited to your account every month.
Principal paydown
Every mortgage payment your tenant covers reduces your loan balance. You build equity with every rent check, on top of appreciation.
Example 5-year return on five property portfolio with 3% annual appreciation
Pricing
Your cost: $749. That's it.
One fee. No hidden charges.
What you'd pay without Lineage
How Lineage makes money
We don't mark up fees. Lineage earns from brokerage commissions from sellers and insurance placement fees. You pay $749 per transaction: flat, every deal, every investor. No platform fees.
“I have worked with Lineage now for over 5 years and cannot say enough good things about them. I would highly recommend them to anyone.”
JL
John L.
Lineage Investor, 5 Years
Is Lineage right for you?
Lineage works best for people who:
- Have $50,000–$80,000+ available for a down payment and closing costs (most investors start with one property in the $150K–$300K range)
- Want to build a rental portfolio without becoming a full-time real estate operator
- Are comfortable with a 5–10 year investment horizon
- Can set aside 6 months of fixed expenses as a reserve
You don't need real estate experience. Most of our investors are buying their first or second rental property. You do need the financial position to absorb a bad month without it affecting your life.
If you're not sure whether you're ready, that's exactly what the investment plan call is for. No commitment, no pressure. Just math.
The learning tax
Every DIY investor pays it. The question is how much.
!
The $20,000 course
A course that teaches you to “find your own deals and quit your job.” Exciting pitch, but most people spend months researching and never buy.
!
The bad tenant
Self-managing tenants you didn't properly qualify, leading to a $5,000+ eviction and months of lost rent.
!
The “great deal”
Buying a property 60% under ARV, then discovering the HVAC, roof, and plumbing were priced into that discount. Deferred capital expenditures eat your cash flow for years.
!
The extended vacancy
Closing on a property with no system for tenant placement, leading to extended vacancy, holding costs, and vacant property insurance you didn't budget for.
The $749 you pay Lineage is less than a single failed inspection cycle. The money you would have spent on the learning tax goes toward your second property instead.
You own the property. Not us.
Every property is titled in your name or your LLC. This isn't fractional ownership and it isn't a fund. You hold the deed. You can sell, refinance, or walk away at any time. If Lineage disappeared tomorrow, you'd still own every property in your portfolio.
The real talk
Rental properties aren't perfect. Here's what to expect.
We'd rather you hear this from us than learn it the hard way.
Vacancies happen
Even in strong rental markets, tenants move out. What matters is stick rates and days on market during a tenant turn. Professional property managers dial this in. We build vacancy reserves into every projection, and your property manager starts marketing the unit before the current tenant leaves.
Repairs are real
Lineage targets properties where major systems are new or freshly replaced. The focus is on routine maintenance from daily use and tenant wear, covered by reserve funds. Every projection includes a maintenance reserve. Your property manager handles the vendors. You approve the spend.
Returns vary
We project conservative numbers and show you every assumption. Actual returns depend on rent growth, vacancy, maintenance, and market conditions. The goal is long-term portfolio performance, not any single month.
Things break. Here's how it's handled.
A tenant leaves early. The HVAC fails. A pipe bursts. Your property manager handles it. They have a $500 repair reserve for emergencies. For anything larger, they contact you with a quote and a recommendation. You don't get a call at 2am. You get an email with a summary and a decision to make. The investors who struggle aren't the ones who have problems. It's the ones who didn't budget for it.
Where we invest
Markets selected for cash flow
We invest where the math works: strong rental demand, affordable entry, and landlord-friendly conditions.
Birmingham Alabama
Alabama$175KAvg price
$1,450/moAvg rent
$310/moAvg cash flow
›
Cape Coral Florida
Florida$350KAvg price
$2,400/moAvg rent
$320/moAvg cash flow
›
Fayetteville North Carolina
North Carolina$260KAvg price
$1,650/moAvg rent
$300/moAvg cash flow
›
Cash flow estimates assume 20% down, DSCR financing, 8% property management, and standard reserves. Actual returns vary by property.
See the math
Sample pro formas from the marketplace
Every property comes with a full pro forma. Three examples across different price points and markets.
A note on our numbers
Every marketplace property includes a detailed pro forma built on actual comparable rents from the local property manager. Projections include cash flow, principal paydown, tax benefits, and estimated appreciation over 10 years, after deducting for vacancy, maintenance, and a 6% exit cost. These are projections based on current data, not guarantees.
We recommend setting aside six months of fixed expenses per property as a reserve, in addition to the vacancy and maintenance buffers already built into the pro forma. Your property manager holds a $500 repair reserve on your behalf.
Total ROI is the projected 10-year return on cash invested. Assumes 3% annual appreciation, 5% vacancy, 8% property management, and a 30-year fixed DSCR loan at the displayed rate. Actual returns will vary.
Doing the math?
Education
Real answers for real investors
Guides, analysis, and straight talk on rental property investing. No fluff.
Getting Started
Out-of-state real estate investing: the complete guide
You don't need to live where you invest. How to buy rental properties in markets that actually cash flow, from anywhere.
Read more →Getting Started
How to evaluate a rental property in 15 minutes
Three numbers, two ratios, and a few red flags. The framework our team uses to evaluate every property before it hits the marketplace.
Read more →We built what we couldn't find
Ron Phillips spent 20 years helping individual investors build rental portfolios. $1.5 billion in transactions and 6,000+ investors. The biggest lesson: the system itself was the problem. In 2024, he assembled a team to fix it. One platform that bundles acquisition, financing, insurance, property management, and portfolio tracking. What used to take months now closes in as few as 13 days.
Our team invests alongside you. Lineage employees own properties in the same markets, with the same property managers, on the same terms as our investors. When something affects your portfolio, it affects ours.
“We had a rental property in California for 10 years and never made a penny. Lineage helped us sell, 1031 into landlord-friendly markets, and coordinated everything: lending, insurance, property management. After four months, we've never had to dip into savings and we're realizing a profit.”
DS
Debbie S.
Lineage Investor
Ready to build your portfolio?
It starts with a free investment plan: a 30-minute call about your goals, timeline, and budget. Many of our investors identify a property on their first call. Others take their time over weeks of conversation. Either way, you only pay $749, and only when you close.
Talk to an Investment ConsultantNot ready for a call yet?
