Lineage handles acquisition, lending, insurance, and property management. You build the portfolio. We handle everything else.
From your first conversation to your growing portfolio, we coordinate every piece.
A conversation with our team about your goals, timeline, and budget. We define your buying criteria together.
Browse the Lineage marketplace — properties in high-yield markets, each with a full pro forma. You pick the deal.
Lending, insurance, title — coordinated on one platform. Average close: 13 days. No chasing providers.
A local property manager handles tenants, maintenance, and rent collection. You collect cash flow.
Monitor properties, cash flow, and performance in one place. 69% of our investors come back for another.
Browse pre-negotiated properties in high-performing rental markets. Every listing includes full financials, a pro forma, and built-in seller incentives.
DSCR (Debt Service Coverage Ratio) loans qualify the property's rental income, not your personal income. It's a built-in check that the investment math works. Most investors close in 13 days. What's DSCR?
Get coverage placed before closing through Lineage Insurance — one less vendor to find, one less delay in your timeline.
Every property comes with a local property manager already in place, so rental income starts from day one.
Market reports, investment guides, and the Get Real podcast — the context you need to invest with confidence.
Your Investment Consultant stays with you after closing. Portfolio reviews, refinancing, and your next property — we're here for the long game.
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 — 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.
Stocks give you one path to growth. Rental real estate gives you four — working simultaneously.
Monthly rent minus expenses. Positive cash flow from day one — deposited to your account every month.
Properties in strong rental markets gain value over time. Your equity grows alongside your cash flow.
Depreciation, expense deductions, and 1031 exchanges reduce your taxable income. Real estate is the most tax-advantaged asset class available to individual investors.
Every mortgage payment your tenant covers reduces your loan balance. You build equity with every rent check — on top of appreciation.
One fee. No hidden charges.
Brokerage commissions from sellers, origination revenue shared by our lending partner, and insurance placement fees. You pay $749 per transaction — flat, every deal, every investor. Your DSCR loan rate and insurance premium are market-rate; we don't mark them up.
Lineage works best for people who:
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 Wealth Plan call is for. No commitment, no pressure — just math.
Every DIY investor pays it. The question is how much.
A course that teaches you to “find your own deals and quit your job” — exciting pitch, but most people gain knowledge and never take action.
Self-managing tenants you didn't properly qualify, leading to a $5,000+ eviction and months of lost rent.
Buying a property 1% under ARV, then discovering the HVAC, roof, and plumbing were priced into that discount. Deferred capital expenditures eat your cash flow for years.
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.
We'd rather you hear this from us than learn it the hard way.
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 PM starts marketing the unit before the current tenant leaves.
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 PM handles the vendors. You approve the spend.
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.
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.
Not ready to buy? Start with our education hub →
We invest where the math works — strong rental demand, affordable entry, and landlord-friendly conditions.
Cash flow estimates assume 20% down, DSCR financing, 8% property management, and standard reserves. Actual returns vary by property.
Every property comes with a full pro forma. Three examples across different price points and markets.
A note on our numbers. Every pro forma uses the low end of the rental range. Properties in our inventory consistently lease at the high end. We'd rather you be surprised by better performance than disappointed by optimistic projections.
Pro formas also include a 9% annual deduction for vacancy and maintenance and a 6% selling cost if you exit at any point. Total ROI includes cash flow, principal paydown, tax benefits, and estimated appreciation over 10 years. Cash-on-cash measures annual cash flow against your down payment. These are projections based on current data, not guarantees. Every marketplace property includes a detailed pro forma so you can evaluate the numbers before making an investment.
*Total ROI is the projected 10-year total return on cash invested. Includes cumulative cash flow, estimated appreciation (3% annually), principal paydown, and tax benefits from depreciation. Based on current market rents, 5% vacancy, 8% property management, and a 30-year fixed DSCR loan at the displayed rate. Actual returns will vary. This is a projection, not a guarantee.
What we recommend setting aside: Six months of fixed expenses (debt service, taxes, insurance) per property as a rainy day reserve, in addition to the maintenance and vacancy reserves already built into the projections above. This aligns with our lending underwriting requirements and provides a realistic safety net. Your PM will hold a $500 repair reserve on your behalf. Plan for the unexpected and you won't be caught off guard.
Guides, analysis, and straight talk on rental property investing. No fluff.
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.
You don't need to live where you invest. How to buy rental properties in markets that actually cash flow — from anywhere.
Strong rental demand, affordable entry points, and landlord-friendly laws. A data-driven look at why Memphis keeps showing up.
Ron Phillips spent 20 years helping individual investors navigate a fragmented system. 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, management, and portfolio tracking. What used to take months now takes 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.
Pediatrician, Seattle
“After running my own numbers, the 10-year total return projection was 62%. Two years in, we're tracking ahead of plan.”
Portfolio: 3 properties (2 in Memphis, 1 in Birmingham)
Combined monthly cash flow: $840
Initial deployment: $140,000
Software Engineer, San Francisco
“My wife was the skeptic. She asked every hard question on the Wealth Plan call. By the end, she was the one saying we should do it. We closed our first property in 16 days.”
Status: First-time investor
Current portfolio: 1 property in Indianapolis
Next move: Planning second purchase
Attorney, Chicago
“I was spending more time managing my managers than I was practicing law. Lineage consolidated everything. Same property count, fraction of the headache.”
Before: 4 properties, 4 different setups
After: 6 properties, all on Lineage platform
Benefit: Unified management, reduced complexity
It starts with a free Wealth Plan — a 30-minute call about your goals, timeline, and budget. About 40% of our investors identify their first property on that call. The rest take a few weeks to plan. Either way, you only pay $749 — and only when you close.
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