FAQs

It's a totally new way to get cash from your home — without taking on debt or monthly payments, like you would with a cash-out refi. Instead, you sell a small slice of your equity and get $50,000 to $200,000 in cash, in as little as 10 days. It's all about the equity in your home, so your income and credit don't really matter. You keep living in your home as long as you like. And if circumstances change, you can buy that slice back anytime after the first year. You're in the driver's seat — we're in the passenger seat, sitting alongside you as a minority co-owner. Think of it like selling a small share to your brother or your mom. If you ever sell the home, we share the proceeds in exactly the same proportion we own. You stay in the house. You keep most of the upside. We just come along for part of the ride.

You apply in 1 minute and see your offer. If you like it, you provide identification, a mortgage statement (if you have a mortgage on the property), and a copy of your homeowners insurance, and sign a few docs. Then you instruct us to perform a title search — this usually takes 2 to 3 days, but attorneys can sometimes hold it up. A few more signatures after that and you're funded. Start to finish, cash in hand in as little as 10 days. There's always a Beeline Equity Guide standing by to help.

No. A loan means you borrow money and pay it back with interest. With Beeline Equity Now, you sell us a small percentage of your home's equity. We become a minority co-owner on title. There's nothing to repay, no interest building up, and no monthly payments. If you eventually sell the home, we share in the proceeds proportionate to the percentage that we own.

You do. We own a minority slice of the equity and sit alongside you on title as a co-owner. You live there, you decide when to sell, you make the day-to-day decisions. We're a passive partner, not a landlord.

Currently, we're offering $50,000 to $200,000. Find out how much you can get by popping your address into our instant offer tool and you'll see a real number in under a minute — no credit check, no commitment.

No. There's nothing to repay and no monthly payment. We get our share when you eventually sell the home. If you want to buy us out before then, you can — but you're never forced to.

Yes. Stay as long as you like. This isn't a downsize, a move-out, or a rent-back. It's your home — you just have a co-owner on title.

If you own your home, live in it and it's worth at least $900,000, you're in the ballpark. It's all about the property, so your income and credit aren't checked at all. The best way to find out is to pop your address into our instant offer tool — you'll know in under a minute. No credit check, no commitment.

Owner-occupied, single-family primary residences with a property value of at least $900,000. Second homes and investment properties aren't eligible for now. And we're not in every zip code yet — the offer tool will tell you if we can help where you live.

At least 50% available equity in your home, before the transaction. So on a $1M home, we're looking for an existing mortgage balance of $500,000 or less.

No. Because this isn't a loan, your credit score doesn't drive the decision the way it would for a HELOC or refi. We care far more about the property and your equity position. If your credit has been a bit bumpy, that's okay.

No. There's no income verification, no debt-to-income check, no pay stubs to dig up. This is about the equity in your home, not your paycheck. Self-employed, retired, in between jobs — none of it is a problem.

Yes. It needs to be your primary residence. Second homes, holiday homes, and investment properties aren't eligible at the moment.

In most cases, yes — as long as you still have enough unencumbered equity in your home. If you've got a mortgage and a HELOC but still hold at least 50% of the equity, you're probably good to go. Worth a quick read of your existing agreements first, just to check they don't have any restrictions.

The quickest way to check is to pop your address into our offer tool — if we can help where you are, you'll see a real number in seconds.

Absolutely. There's no income check, no debt-to-income calculation, no credit gymnastics. If you own your home and have the required equity, you're eligible.

There's an 8.5% transaction fee based on the amount of cash you receive, plus standard title and closing costs (title search, title policy, doc prep, notary, settlement, recording fees, transfer taxes). If you have any delinquent property taxes, those are settled at closing too. You can choose to sell a very small additional sliver of equity to cover the transaction fee (most popular) or it can come out of your proceeds so there's nothing out of pocket. It sure beats coming up with monthly payments every month for the life of a loan.

We use something called the Consensus Fair Market Value — it's based on several independent automated valuations. You'll see the number before you decide anything.

Valuation starts with what we call the Consensus Fair Market Value — a precise figure drawn from several independent automated valuations. The slice we buy is priced at a slight reduction to that value, roughly 20%. The reduction only applies to the portion we buy — your remaining equity stays at full market value.

That slight reduction is what we earn for putting cash in your hands in days, then stepping back patiently and passively as a minority co-owner, possibly for decades. During that time you have no payments or deadline to sell — and you keep the upside on the majority share you retain.

It's the one-time price of patient capital, the split fixed and agreed upfront on day one, done.

Yes. 10% stays 10%. If you sell us a 10% slice today, we get 10% of the sale proceeds when you sell the home — no multipliers, no inflated numbers, no fine print. We're co-owners on your deed: what we own is exactly what we get.

Yes — fully. Beeline Equity Now is shared co-ownership, which means the math runs both ways. If your home rises in value, our slice rises with it. If your home falls in value, our slice falls too — and you pay less to buy it back. Same calculation going out as going in.

It's not a one-way street.

It's really easy and fast — no credit checks, no income requirements, and minimal documents. We do all the heavy lifting. Apply in 1 minute to see if your property applies, then you'll see your offer right away. Take a good look at your equity estimate — how much you're accessing, what you're keeping, what it costs — all laid out clearly. Your Beeline Equity Guide will answer any questions and take you through it if you like. If you're happy, the next step is light. We just need a form of identification (i.e., a valid driver's license, passport, etc.), a recent mortgage statement (if you have a mortgage on the property), and a copy of your homeowners insurance policy. Once you agree to the basic terms, we will run title on the property. Then you're just a couple of signatures and a few days from transferring that home equity to your bank account.

Cash in hand in as little as 10 days, but we've done plenty in 7. Fourteen days is on the long side — Beeline Equity Now is different from a mortgage in every way.

Pretty light. A valid, government-issued ID, a mortgage statement (and any other lien statements/information) if you have one, and a copy of your homeowners insurance policy. That's it.

No. It's not a loan. No debt-to-income check and no income verification. Self-employed, retired, between jobs — none of it gets in the way.

None. It's the home that qualifies, not you, so we don't pull your credit. If you've got lots of equity and a bit of a bumpy financial profile, this is often a great fit.

You'll land in your Beeline Tracker, where you upload your ID, mortgage statement, and homeowners insurance, and review your Equity Estimate. Your Beeline Equity Guide will reach out straight away to walk you through it and answer any questions. Then you'll instruct us to run title, finalize the numbers, and schedule the deed signing. From application to cash in your account is usually 10 to 14 days.

Not many — and your Equity Guide walks you through every one. Because this is a sale of a small slice of equity, not a loan, there's no promissory note or new mortgage to sign. There are really just a few documents:

• A Seller Authorization to get started. It's non-binding — it simply lets us prepare your offer and check your title and mortgage balance.
• A Purchase and Sale Agreement — the actual agreement to sell a small, fixed slice of your home's equity. This is the first binding document.
• A short arbitration agreement — this is signed with the Purchase and Sale Agreement and sets out how any dispute would be handled.
• A Deed and a Declaration of Covenants, signed and recorded at closing. When the deed with the Declaration of Covenants is recorded in the land records, that is the final document showing you and us as co-owners and laying out the rules of co-ownership.
• The standard closing paperwork any property transaction involves. This is primarily a settlement statement, some title company-required documents and a few notarized signatures.

That's it. You're never committed to going ahead until you sign the Purchase and Sale Agreement, and even after closing, you have a 5-day window to change your mind.

None. Getting an offer is free and takes 1 minute. No credit pull, no commitment, no pressure. Have a look, think about it, ask us anything. Only move forward when you're ready.

No. We use several independent automated valuation tools instead of a traditional appraisal — faster, free, and one reason we can get cash to you in as little as 10 days.

Yes. You're the primary owner, you live there, and completely control everything about how you use the home — who stays, what you renovate, whether you paint the kitchen orange. The only difference is you no longer own 100% of the equity; we own a small minority slice alongside you, legally recorded on title. You're still responsible for all the usual costs — taxes, insurance, HOA fees, maintenance, repairs, etc. We don't chip in on those. Our role is strictly financial. We receive our equity percentage of the proceeds when the home eventually sells.

Of course. It's your home — do as you like. Remodel, extend, paint the walls whatever color you fancy. We don't get involved. All we ask is that you keep up basic maintenance, pay your taxes, and keep your homeowner's insurance current.

Nope, not while we're co-owners. The home needs to stay owner-occupied under the agreement. If your situation changes and you want to turn it into a rental, you can buy our slice back any time after the first year, then go for it.

You do. Taxes, insurance, HOA dues, maintenance, repairs — all of it stays with you, just like before. We don't share in those costs.

Sell whenever you like after year one — you're in the driver's seat. When you do, the proceeds split between you and us by the percentages on the deed: we own 10%, we get 10%. No ticking clock, no one telling you when to sell.

No problem. Stay as long as you like — there's no clock. Our slice just sits on the deed alongside you. If the home eventually passes to your heirs, they can keep going with us, or buy us out themselves.

If your home drops in value between when we bought our slice and when you buy us out, our slice is worth less too — and you pay less to buy it back. The math is symmetrical: same calculation going out as going in.

Beeline Equity Now is shared co-ownership. We share the upside, and we share the downside. It's not a one-way street.

Yes. You can buy your share back any time you like after the first year. There's no deadline — just give us 90 days written notice. You buy your share back using the same calculation you sold your share at.

This contrasts with a Home Equity Investment (HEI), which often has deadlines of 10 to 30 years that feel like a ticking clock — and can even force people to sell their home. Beeline runs on your timeline. Sell whenever you want, or never — and your heirs can keep going with us, or buy us out themselves.

No. No prepayment penalty, no exit fee, no fine print. You can buy your share back any time after your first year, and the price is determined using the same calculation that you sold at.

The one thing we ask is 90 days' written notice so we can prepare for the closing properly.

You own the majority of the equity and live in the home. We own a minority slice — recorded on title as a proper deed (not a deed of trust — remember, there is no lien). You drive. We're along for part of the ride.

A reverse mortgage is a loan with compounding interest; Beeline Equity Now isn't a loan at all. With a reverse mortgage, interest quietly piles up month after month, and by the time the home sells, the debt can eat straight into what you wanted to leave your family. Beeline Equity Now is different. Sell a small slice of your home equity, get cash in as little as 10 days, and that's it. You still keep the majority of the asset and the majority of the upside. No monthly payments. No interest compounding in the background. There's no age restriction — reverse mortgages are generally for people aged 62 and up, whereas we work with everyone. And if you're planning to stay in your home for more than about 6 years, the math favors us pretty clearly in most instances. Get the best of both worlds — access the value you've built, for what matters now, while staying in your house and leaving it to your loved ones, not the bank.

Beeline Equity Now gives you cash with no new debt and no monthly payments. A cash-out refi gives you cash but ties you to a bigger mortgage for decades — which can suit some people. With a refi, you're looking at a new rate and a monthly payment for the life of the loan. Every month, for the rest of the loan, you're paying. That weight adds up, long after the cash is spent. With Beeline Equity Now, rates don't matter. There's no loan. Sell a small slice of your equity, get cash in as little as 10 days (instead of 30-45!), and carry on — no new debt hanging over you, no monthly payment in the calendar. If your credit or income is a bit bumpy, it's a no-brainer. If it's not, it's still worth a look.

A HELOC is a variable-rate loan secured against your home; Beeline Equity Now isn't a loan at all. With a HELOC, you'll pay interest on whatever you draw, usually at a variable rate that can climb without warning. Miss a payment and things get uncomfortable. And to get one in the first place, your credit and income need to be solid. With Beeline Equity Now, rates don't matter. There's no loan. Sell a small slice of your equity, get cash in as little as 10 days, and move on — no variable rate, no monthly payment, no credit check needed. If your credit or income is a bit bumpy — or you just don't want another bill to pay each month — it's a great solution.

Beeline Equity Now is a true fractional sale of equity. Most other HEI products are structured as loans in disguise. Here's the detail — other HEI companies will tell you it's not a loan, but they do record a deed of trust/mortgage and put a lien on your property, with a repayment horizon — 10, 20, 30 years — where you owe them back as if you borrowed the money.

There's still a future repayment obligation hanging over your head as opposed to a true equity partnership. Then there's the math. Most HEIs charge a fee, share the upside, and shield themselves from the downside. If the home goes up, they take a cut. If it dips, you often carry the loss. And the way they calculate your share can be confusing and punitive — giving you X% in cash today and taking Y% when you sell. That's called participation asymmetry.

With Beeline Equity Now, it's a pure fractional sale of equity. We buy a percentage of your home, record a deed, not a deed of trust — and sit side by side with you on title as a minority co-owner. We share the downside the same way we share the upside — proportionate to what we own. Real co-ownership, not a one-way street.

If you decide to buy our share back, you can do that any time after the first year — just give us 90 days' written notice. The price is determined using the same calculation we used when we bought in. If the market has dropped, we ride it down with you, pro rata. We're selective about the homes we partner on, so a fall is unlikely — but if it happens, we feel it too.

The split is clean. If you sell us 10% today, it's 10% when you sell later. What you see upfront is what happens at the end.

You decide when to sell. No deadline, no ticking clock in the background, no one nudging you toward the exit. It's your home, your timeline, your call.

Beeline Equity Now lets you access your home's equity without actually selling the entire house. Downsizing unlocks the same cash but means leaving your home. It works for some people — but it means leaving the street you love, and the place you made home for your family. It also means agent fees, closing costs, moving costs, and potentially capital gains tax. That is a lot of effort to unlock cash that's already sitting in your home. With Beeline Equity Now, you get cash from that same equity without packing a single box. Stay where you are, get cash in as little as 10 days, and keep the home — and the memories — in the family.

Beeline Equity Now gives you access to $50,000–$200,000 based on your home's equity, with no interest and no monthly payments. A personal loan is capped by your income and charges interest from day one. Personal loan interest rates are typically 10% to 20%, payments start immediately, and the amount you can borrow is usually limited by what your income can support. People actually use Beeline Equity Now to consolidate and repay personal loan and credit card debt to free themselves and their monthly cash flow.

Generally, it's treated as a partial sale of your home by the IRS — and for most homeowners selling a slice of their primary residence, the gain falls under the Section 121 exclusion, which exempts up to $250,000 of profit if you're single or $500,000 if you're married filing jointly. That means many people won't owe any tax at all. But everyone's situation is different, so we'd always recommend running it past a tax professional before you commit.

Your heirs inherit the home with our slice still on the deed. They can keep going with us, sell the property when they're ready, or buy us out themselves — same terms either way. We'll work with them the way we worked with you: no deadline, no pressure.

Yes, that's fine. We'll just need to see your trust documents before we can proceed, and the authorized trustee will need to sign the final agreements. It adds a small step but doesn't change anything about how the product works for you.

The agreement stays with the property. Your estate and heirs inherit your share of the home, and they can either live in it, sell it, or buy out our slice — whatever works for them. No debt to repay, no clock ticking, no pressure on timing.

Divorce can affect how the home is held, but it doesn't undo the agreement. If the home is sold as part of the settlement, we settle our share alongside everyone else. If one spouse keeps the home, the agreement continues with that spouse. If it's more complicated than that, we'll work through it with you and your legal team.

Yes, you can refinance your mortgage. Keep in mind that most traditional lenders may not allow you to refinance with this arrangement on title. If you need to refinance, you may need to buy your portion of the equity back at that time if you cannot find a lender willing to mortgage your remaining interest in the property.

You'll need to keep the home insured — that's part of the agreement. If something happens, your insurance payout follows the same pro-rata split as a sale would: you get the majority share; we get ours, proportional to what we own. We'd rather it never comes to that, obviously.

No worries. Getting an offer and talking to an Equity Guide is completely free and non-binding — you can walk away at any point before you sign the final agreement. Even after you sign, there's a "change of heart" window where you can buy back the share at exactly the same price you sold it for up to 5 days after closing. We'd rather you take your time and make the right call rather than rush into something.

Our Equity Guides are here to answer any questions and support you, but it's also a good idea to speak with a financial advisor, tax professional, or trusted family member. It's your home and your decision — take the time you need.