Get cash today in exchange for a slice of your home’s future value — how would that feel?
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No monthly payments. No debt
Stay in your home
Put your equity to better use
If you took $100k from your $1m home today, and sold in 5 years
Cash out Refi
Home sale price after 5 years (6% growth)
$1,338,226
Closing costs + origination fee
$13,000
Loan amount
$113,000
Monthly P&I payment
$752
Total P&I paid over 5 years
$45,108
Remaining loan balance after 5 years
$106,369
Realtor fees (4%)
$53,529
Net proceeds after sale
$1,178,328
Effective net proceeds (including P&I payments)
$1,133,220
Assumptions
*Eligible FICO and DTI (not relevant for Beeline Home Equity)
7% interest rate with 30 year fixed-rate amortization
Origination and closing costs rolled in
Beeline Home Equity Investment
Home sales price after 5 years (6% growth)
$1,338,226
Discounted value for share calculation (20%)
$800,000
Share percentage sold
12.50%
Investor share at sale
$167,278
Homeowner share at sale
$1,170,947
Origination fee (8.5%)
$8,500
Realtor fees (4%)
$53,529
Net proceeds after sale
$1,108.918
Total cash benefit (cash out + net proceeds)
$1,208,918
Assumptions
*Subject property in eligible ZIP code with >50% equity
Cash out amount of $100k not invested
Cash out Refi
Beeline Home Equity Investment
Home sale price after 5 years (6% growth)
$1,338,226
Home sales price after 5 years (6% growth)
$1,338,226
Closing costs + origination fee
$13,000
Discounted value for share calculation (20%)
$800,000
Loan amount
$113,000
Share percentage sold
12.50%
Monthly P&I payment
$752
Investor share at sale
$167,278
Total P&I paid over 5 years
$45,108
Homeowner share at sale
$1,170,947
Remaining loan balance after 5 years
$106,369
Origination fee (8.5%)
$8,500
Realtor fees (4%)
$53,529
Realtor fees (4%)
$53,529
Net proceeds after sale
$1,178,328
Net proceeds after sale
$1,108.918
Effective net proceeds (including P&I payments)
$1,133,220
Total cash benefit (cash out + net proceeds)
$1,208,918
Assumptions
*Eligible FICO and DTI (not relevant for Beeline Home Equity)
7% interest rate with 30 year fixed-rate amortization
Origination and closing costs rolled in
Assumptions
*Subject property in eligible ZIP code with >50% equity
Cash out amount of $100k not invested
Sell, refi or buy back your slice
Until now, the only way to tap your home’s value was to refi or sell — and debt or moving out isn’t for everyone. Now you can sell a sliver of equity for cash upfront instead of borrowing. You still benefit from your home’s appreciation, just shared in exchange for funds you got earlier.
BeelineEquity v cash out refi
If you need funds fast, a home equity investment is faster, simpler and better for debt and cash flow. It’s not a loan so rates don’t matter. Cash out refis give you all the upside at sale, but it’s eroded by the extra debt and interest. If your credit or income is iffy, it’s a no-brainer.
BeelineEquity v reverse mortgage
Unlike a reverse mortgage, BeelineEquity lets you access cash without the increasing debt that eats into your family’s inheritance. You stay in your home, avoid accumulating interest, and stay in control— so you leave more to your loved ones, not the bank.