Graham, NC
Lineage Investment Plan
Build your rental portfolio plan
Start with the cash you have and watch a rental portfolio grow the way it does on Lineage: the loan, the insurance, and a vetted local property manager come with every property, and each one’s cash flow and equity go toward the next.
Where are you starting from?
Most Lineage investors start with $50K to $80K and own their first rental in about 22 days.
How much do you have to start?
How much will you invest each year to grow your rental portfolio?
Advanced assumptionsPrice per property, cash flow, rate, appreciation, tax, and how equity is recycled. The plan updates as you type.
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Recycle equity by
A refinance keeps the property and borrows against its gains. A 1031 sells it and rolls the gains into the next one, tax deferred. $38,158 recycled by 2036.
Your 10-year plan
You put in $290K. You own $1.85M. You clear $2,097 a month.
From rental 1
$295/mo
year one
Return on equity
16.8%
in 2036, the final year
IRR
9.4%
over the plan, after selling costs
Equity
$527K
if homes appreciate 3% a year
Free 30-minute call. No obligation.
By 2036You put in $290,000
Total return$330,351
Appreciation$259,567
Cash flow after expenses, reinvested$125,934
Tax you don’t pay on that cash flow$40,299
Closing costs, 6 purchases and refis($95,449)
Equity is what you’d own after paying off the loans. Total return also counts $40K in tax savings on that cash flow and $53K not yet spent on a rental. Neither is equity.
Your first rental
Your first rental could be one of these
Phenix City, AL
2107 S Seale Rd
$230,000$58K to close9.5% cash ROIWhen could you buy your first rental?
A Lineage Investment Consultant sees this exact plan before the call, so you start from your numbers, not from zero. Free 30-minute call. No obligation.
How you get to 6 rentals with Lineage
- 1Your $65K today
- 3Bought with your additional funds
- 2Bought by the cash and equity your rentals generate
Portfolio valueEquity
Hover or tap a year to see what happensShow years 11 to 20
2036Cash-out refinance, $13K freed. Buy rental 6.$54K of it paid by the portfolio.
71% of Lineage investors buy a second rental. Most within two years.
See every year
| End of year | Your cash in | Rentals | Equity | Portfolio value | Cash flow a month |
|---|---|---|---|---|---|
| Now | $65,000 | 0 | $0 | $0 | $0 |
| 2027 | $65,000 | 1 | $52,317 | $236,317 | $303 |
| 2028 | $90,000 | 1 | $59,407 | $243,407 | $312 |
| 2029 | $115,000 | 2 | $122,212 | $501,418 | $643 |
| 2030 | $140,000 | 2 | $137,255 | $516,460 | $662 |
| 2031 | $165,000 | 3 | $211,632 | $797,931 | $1,023 |
| 2032 | $190,000 | 3 | $219,595 | $821,869 | $968 |
| 2033 | $215,000 | 4 | $306,721 | $1,128,700 | $1,361 |
| 2034 | $240,000 | 5 | $387,978 | $1,453,202 | $1,686 |
| 2035 | $265,000 | 5 | $431,574 | $1,496,798 | $1,741 |
| 2036 | $290,000 | 6 | $526,760 | $1,850,042 | $2,097 |
- 2027Your first rental closesLineage handles the loan, the insurance, and the property manager.
- 2029Your rentals start buying rentals$7K of rental 2 paid by the portfolio. Lineage sources each one in markets it already vets.
- 2032First cash-out refi. $38K of equity recycled by 2036.Lineage runs the refi and lines up the next rental.
- 20366 rentalsThe portfolio paid for 2 of them. Lineage ran every purchase and every refinance.
Assumes $230K rentals, a 6.5% interest-only loan, $295 a month of cash flow each, 3% rent growth, and 3% appreciation. The $295 a month is after property management, taxes, insurance, and maintenance, and before a reserve. Lineage recommends six months of expenses in reserve. Each loan is interest-only for 10 years, then converts to principal and interest. A cash-out refinance replaces the loan with a larger one and resets the term. Rentals bought in later years cost more, rising with that appreciation. Tax savings assume a 32% bracket. What it saves depends on your situation. IRR counts each deposit when you make it, the tax savings each year, and selling every rental at the end of the plan after 6% selling costs, before depreciation recapture and capital gains tax. Every purchase and refinance is a decision you make with your consultant.
Illustrative example. Actual returns vary based on market conditions, property performance, and financing terms. This is educational content, not financial or tax advice. The projection assumes a DSCR loan with 20% down, interest-only for the first 10 years, and 3% a year appreciation on every rental.