Lineage

What Lineage does

Lineage Technologies, Inc. is a privately held US company founded in 2024 by Ron Phillips, operating a direct-to-consumer platform that coordinates the four discrete transactions required to acquire a rental property — acquisition, DSCR lending, insurance placement, and property management — into a single workflow with a flat $749 transaction fee. The platform targets high-income W-2 professionals and self-employed investors (typically with $50K-$80K available for a down payment and a 5-10 year hold horizon) who want to build out-of-state rental portfolios in the US Sun Belt without becoming full-time operators. Properties are sourced across four cash-flow markets (Birmingham AL, Cape Coral FL, Fayetteville NC, Columbus GA), pre-negotiated with seller incentives, listed in an authenticated marketplace at investor.lineage.finance, and supported through a high-touch consultative funnel anchored by Investment Consultants. Underlying technology is primarily workflow integration rather than proprietary AI or novel technical architecture; closing speed (as few as 13 days vs. the industry standard of 30-45 days) is achieved by running acquisition, lending, insurance, and property management in parallel through partner integrations.

Name

Lineage

Legal name

Lineage Technologies, Inc.

Website

https://lineagehq.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Lineage Technologies, founded in 2024, is a US platform that coordinates rental property acquisition, DSCR lending, insurance placement, and property management into a single transaction for high-income individual investors seeking out-of-state Sun Belt rental portfolios, charging a flat $749 per deal.

Ownership category

akta.pro rank

Product category

Real Estate Investment Platform

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Rental property investing
• Real estate marketplace
• DSCR lending
• Property management services
• Turnkey rental portfolios

Headquarters

HQ city

Charleston

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Brokerage Commissions from Sellers: Lineage earns brokerage commissions from sellers (the other side of real estate transactions) when investors purchase properties through the marketplace. This is the primary revenue stream.
2. Insurance Placement Fees: Lineage Insurance, an affiliated entity, earns fees for placing property insurance coverage for investors before closing. The investor pays the insurance premium; Lineage earns a placement fee from the carrier.
3. DSCR Loan Referral Fees: DSCR loans are originated through lending partners; Lineage Financial Services, LLC earns referral or arrangement fees from the lending partners for directing investors to their products.
4. Transaction Fee ($749): Investors pay a flat $749 transaction fee per closed deal — flat, every deal, every investor. No platform subscription fees. This fee is paid by the investor and is described as covering the coordination and platform services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Lineage is a rental property investment platform that bundles property acquisition, DSCR-based lending, insurance placement, and local property management into a single coordinated transaction. Investors browse pre-negotiated properties in high-yield Sun Belt markets through an authenticated marketplace, receive financing structured around the property's cash flow, and have a vetted local property manager in place at closing — all for a flat $749 transaction fee per deal, with closings completed in as few as 13 days.

Product overview

Lineage is a platform for rental property investors that coordinates acquisition, lending, insurance, and property management in a single integrated transaction. The core platform centers on a property marketplace where investors browse pre-negotiated properties in high-yield markets (Alabama, Florida, Georgia, North Carolina). DSCR Lending through partner network enables financing based on property income rather than personal income. Lineage Insurance (affiliated brand) and Lineage Financial Services (affiliated brand) provide insurance placement and lending coordination. Every property comes with vetted local property managers already in place. The platform charges a flat $749 transaction fee per close and aims to close in as few as 13 days. Educational resources include guides on tax strategy, market analysis, and portfolio building.

Differentiator

Problem solved

Functional benefit

Brands

• Lineage Insurance: A Lineage affiliate that places insurance coverage for rental properties before closing, offered as part of the integrated transaction bundle.
• Lineage Financial Services, LLC

Products and services

• Lineage Platform (Rental Property Investment Platform) Core rental property investment platform coordinating acquisition, DSCR lending, insurance, and property management into a single transaction for individual investors, with closings in as few as 13 days and a flat $749 transaction fee.
• Property Marketplace Authenticated investor marketplace at investor.lineage.finance where investors browse pre-negotiated properties in high-yield Sun Belt markets (Alabama, Florida, Georgia, North Carolina), each with full pro formas, inspection reports, and management plans.
• DSCR Lending (Lineage Financial Services) Debt Service Coverage Ratio loans qualified on property rental income rather than borrower personal income, with no income verification or DTI calculation; facilitated through lending partners including New American Funding.
• Lineage Insurance Property insurance placement service through affiliated Lineage Insurance, Inc., covering landlord, liability, and umbrella policies, placed before closing via partner OSC Insurance Services.
• Property Management Services Local, vetted property management delivered through partner managers who handle tenant screening, placement, rent collection, and maintenance coordination at an average of 8% of monthly rent, in place at closing.
• Investment Planning Consultation Free 30-minute investment plan call with an Investment Consultant that defines buying criteria, timeline, budget, and ongoing portfolio strategy, refinancing, and follow-on acquisition support.
• Portfolio Tracking Dashboard Investor dashboard showing performance across properties including cash flow, tenant status, upcoming events, and monthly statements with rent collected, expenses, fees, and net cash flow.

Quantifiable outcome

• 13-day closing timeline vs. 30-45 day industry average
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature1 record

Partnerships

One partnership is on record.

• Vetted Local Property ManagerscoreImplementation/ SI/ Consulting PartnerLineage refers every property to a vetted local property manager who handles tenant placement, rent collection, and maintenance coordination. Property managers are pre-screened and in place at closing. The PM partnership is integral to the turnkey delivery model — it is the operational layer that enables out-of-state investors to own without being landlords.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mynd: Mynd is a property management platform focused on serving remote single-family rental investors—overlapping with Lineage's property management arm and serving a similar out-of-state investor base.
• BiggerPockets: BiggerPockets is the largest community and resource hub for rental property investors, with a marketplace and partner network—broader in scope than Lineage but addressing the same investor persona with education, deal flow, and lender introductions.
• Kiavi: Kiavi (formerly LendingHome and NewSilver) is a leading real estate investment lender serving rental and fix-and-flip investors—directly comparable to Lineage's DSCR lending component and a likely alternative financing channel for the same investors.

Direct peers

• Roofstock: Roofstock is an online marketplace for single-family rental investments that lets investors browse, finance, and manage rental properties—directly comparable to Lineage's marketplace model for out-of-state rental buyers.
• Landa: Landa offers fractional ownership of single-family rental properties with integrated management for individual investors—comparable to Lineage's bundled acquisition, financing, and management model.
• Arrived: Arrived enables individuals to purchase shares of single-family rental homes with integrated property management—closely aligned with Lineage's bundled acquisition, financing, and management offering for the same rental investor persona.
• Fundrise: Fundrise is a real estate investment platform offering access to private-market rental properties—competing for the same retail-investor dollars as Lineage, though structured via funds rather than direct ownership.
• Belong: Belong provides a long-term rental investment platform with integrated property management, targeting individual investors seeking passive rental exposure—closely aligned with Lineage's hands-off out-of-state investor value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lineage_hq
• Facebookfacebook.com/lineagehq
• LinkedInlinkedin.com/company/lineagehq

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lineage