Cryptos for Real Estate: Mortgage Platform Makes Major Breakthrough

1. Beeline Holdings Inc. has a consulting relationship with Street Smart an affiliate of Streetwise Reports. Street Smart Clients pay a monthly consulting fee between US$8,000 and US$20,000.
2. As of the date of this article, officers and/or employees of Streetwise Reports LLC (including members of their household) own securities of Beeline Holdings Inc.
3. Steve Sobek wrote this article for Streetwise Reports LLC and provides services to Streetwise Reports as an employee.
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Rapidly expanding digital media platform Beeline Holdings Inc. (BLNE:NASDAQ) announced a successful capital raise of US$6.5 million in the last week of June.

This funding was secured through a mix of its At-The-Market (ATM) and equity line of credit (ELOC) initiatives, the company said. Concurrently, it significantly reduced its debt load by US$5.3 million in the first half of 2025 — US$1.3 million in the first quarter and US$4 million in the second quarter — lowering its total third-party debt to just US$2.3 million, excluding the mortgage warehousing line of its subsidiary. The quarter concluded with the company holding over US$6 million in cash reserves.

“These moves mark a defining moment for Beeline,” said Chief Executive Officer Nick Liuzza. “Despite the challenging macroeconomic conditions we've encountered over the past few years, we remained disciplined, focused, and innovative. Now, with the anticipation of declining interest rates, we find ourselves in the strongest financial condition to date—strengthened by new equity infusions and growing momentum in our SaaS division, Beeline Labs.”

As of March 31, 2025, Beeline reported approximately US$40 million in shareholders’ equity.

"We're currently trading at just 30% of book value," Chief Financial Officer Chris Moe said. "Eventually, the market will align with the fundamentals. For now, our focus is on executing our business strategy, aiming for a debt-free status and positive cash flow."

With indications of easing inflation and potential interest rate cuts signaled by the Federal Reserve possibly beginning in the third quarter—spurred by political pressures and economic indicators—Beeline is optimistic about the prospects for both its mortgage origination operations and its scalable SaaS infrastructure.

Crypto Capital of the World

Prospective American homebuyers may soon have the option of using their cryptocurrency holdings to bolster their mortgage applications, the head of the Federal Housing Finance Agency which supervises housing leaders Fannie Mae and Freddie Mac recently announced.

In a statement on social media, Bill Pulte said, "After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage."

Beeline recently announced that subsidiary Beeline Title LLC is already integrating cryptocurrency into transactions.

It announced on June 25 that it had successfully completed one of the first residential real estate transactions funded by the sale of a cryptocurrency token secured by real property.

The transaction is a significant advancement in the integration of blockchain technology within real estate financing, merging decentralized finance with conventional title and escrow services.

"Several mortgage lenders are already developing funding models that involve the conversion of cryptocurrencies to U.S. dollars at closing," said Beeline Chief Executive Officer Nick Liuzza. "But for these models to function at scale, you need a title company that not only understands blockchain transactions — but has the infrastructure to disburse and reconcile them in compliance with federal and state regulations."

This pioneering cryptocurrency-facilitated transaction by Beeline Title sets the stage for a more extensive deployment. Beeline Loans, Inc., another subsidiary, is poised to introduce a Fractional Sale of equity product leveraging the crypto ecosystem in early August 2025, with Beeline Title handling the title and closing services for each deal — unless borrowers choose an alternative title company. Crucially, Beeline Title said it will make this platform available to all mortgage lenders, offering them a tested solution for the reconciliation, compliance, and disbursement of cryptocurrency token transactions.

Liuzza added, "Our team built Linear Title, one of the largest privately held title agencies in the U.S., prior to merging with Real Matters and going public on the TSX. Through 2019, we closed over one million title transactions across all 50 states, and this new platform is an extension of that expertise — tailored to the next generation of mortgage transactions."

As the adoption of cryptocurrency continues to grow and becomes subject to federal and state regulation, Beeline is positioning itself as a frontrunner in this rapidly evolving ecosystem, providing reliable infrastructure to assist lenders in scaling into a future where crypto and compliance are seamlessly integrated.

The Catalyst: A Volatile Housing Market

Over the past few years, homebuyers have faced a volatile housing market characterized by escalating home prices and persistent high mortgage rates, reported Caitlin Cahalan for The Street on June 29. This has led many young Americans to postpone their dreams of homeownership, hoping for a future dip in prices, while others have abandoned the idea altogether.

Despite the uncertainty brought on by Covid in 2020 and 2021, mortgage rates plummeted to historic lows below 3%, enticing many to seize the opportunity for more affordable home buying. However, the initial pandemic-driven surge in housing demand drove up prices, and the subsequent inflation spike in 2022 further elevated housing costs. With mortgage rates now approaching 7%, the optimism for a robust summer market has diminished.

Affordability remains a critical concern for homebuyers, particularly as mortgage rates see-saw, Cahalan wrote. The forecast for the upcoming months remains murky, with experts predicting that buyers may continue to exercise caution, despite having more room to negotiate.

According to Berkshire Hathaway HomeServices, buyer demand is expected to keep adjusting in response to the fluctuating mortgage rates. The consistent factor is the pursuit of more affordable housing options as living costs escalate — with many buyers waiting out the market for better conditions.

Inflation remains high following its surge in 2022, complicating Americans' efforts to manage everyday expenses while saving for significant financial goals, the article noted. A majority of potential homebuyers identify accumulating enough for a down payment as a major hurdle to owning a home. To find more affordable housing, 29% are open to downsizing, and 24% consider relocating out of state as viable options.

Ownership and Share Structure

According to Refinitiv, 25% of Beeline Holdings is owned by insiders and management and 3% is held by institutions. The rest is retail.

Top shareholders include the CEO Liuzza with 22.63%, Director Joseph Freedman with 1.37%, and Head of Investor Relations Geoffery Gwin with 0.79%.

Its market cap is US$11.54 million with 9.3 million shares outstanding. It trades in a 52-week range of US$0.62 and US$29.80.