Beeline/BLNE

Beeline Loans Inc., a wholly owned subsidiary of Beeline Holdings Inc., has announced a new strategic partnership with leading short-term rental (STR) analytics platform Rabbu to form a streamlined pipeline for investors to identify properties and secure tailored financing — all in one ecosystem.

According to Beeline, Rabbu’s free Airbnb calculator allows users to enter any U.S. property address to "receive data-driven projections, including estimated annual revenue, average daily rates, and expected occupancy."  With integrated access to Beeline’s investment property loans, users can move "directly from analysis to action," the company said.

"This partnership expands our reach into one of the most dynamic segments in residential real estate," Beeline Chief Executive Officer Nick Liuzza said. "We're connecting the dots — discovery, funding, and ultimately, management — to deliver a truly frictionless STR investment experience."

In a release, Beeline noted its investment lending business has seen "significant growth over the past 12 months."

The company said more than half of its loan volume was dedicated to investment properties, with STR financing emerging as a leading driver. It said it supports a full spectrum of borrower profiles through its DSCR, bank statement, and conventional loan products.

The Rabbu partnership also complements Beeline's collaboration with Red Awning, a full-service STR management platform.

"Together, the trio forms a powerful, end-to-end solution: identify with Rabbu, finance

with Beeline, manage with Red Awning," Beeline noted.

During its recent earnings call, the company noted that April is expected to be its strongest revenue month since the market downturn, with increased investor demand and product diversification contributing to the momentum.

Co. Grows, Integrates Eastside Distilling

Earlier this month, the company reported its financial results for the fiscal year ending December 31, 2024. The company emphasized continued revenue growth and successful integration of Beeline Financial Holdings following its merger with Eastside Distilling in October 2024.

For the full year 2024, Beeline Financial achieved 33.5% revenue growth year-over-year, reaching just over US$5 million (unaudited). That growth significantly outpaced industry averages during a prolonged downturn, with mortgage sector revenues nearing 30-year lows outside of the 2008 financial crisis. Loan originations at Beeline increased 38% year-over-year, compared to the industry's average of 9%.

Liuzza described 2024 as a transformational period. "Our 2024 performance is a testament to the strength of our model and the speed of our transformation," he said in an April 15 press release. "We've successfully shifted from a legacy spirits business to a digital mortgage and SaaS platform, and we're already scaling through targeted innovation and execution."

Despite challenging macroeconomic conditions, Beeline remains focused on digital innovation and market expansion. The company reported that its earlier-stage AI sales agent platform, MagicBlocks, was spun out during the year, while Beeline retained both equity and licensing rights. Strategic partnerships with RedAwning and CredEvolv further supported growth in areas such as DSCR loans for vacation rentals and credit improvement services.

The company cited the Mortgage Bankers Association's baseline forecast of a 5.9% average mortgage rate by the end of 2025 as a favorable market condition. Liuzza noted, "The difference is — we didn't slow down. We kept building software, expanded our product suite, and diversified our lending capabilities. Now, we're positioned to move quickly."

An Immediate Strong Buy

*According to an April 15 analysis by technical expert Clive Maund, Beeline Holdings Inc. was rated an "Immediate Strong Buy" based on both fundamental performance and technical positioning. Maund emphasized that Beeline had outperformed broader industry trends in 2024, noting that its loan origination volume of just under US$200 million "outpaced the broader industry by around 30%."

Maund described Beeline as a "technology-driven mortgage lender and title provider" that had redefined the mortgage process using an AI-enhanced platform. He highlighted the company's internal development of software products that automate and streamline mortgage production workflows. Among these innovations is BlinkQC, an AI-powered quality control tool that was designed to reduce manual review time, cut closing days, and decrease compliance errors. Maund stated that BlinkQC could save "4+ hours from each file," "2 to 3 days in closing time," and reduce errors by 80%.

He also discussed MagicBlocks, a software-as-a-service (SaaS) platform developed by Beeline, which enables businesses to deploy emotionally intelligent AI sales agents. Beeline is a minority shareholder in the MagicBlocks entity and has a 10-year licensing agreement for the use of jointly developed products. According to Maund, MagicBlocks agents were shown to convert "43% more site visits into customers automatically, at almost zero cost," enhancing Beeline's customer acquisition efficiency.

Maund noted that Beeline's technology was already delivering measurable results, pointing to its proprietary AI chatbot, Bob 2.0, which reportedly generated six times more leads and eight times more mortgage applications than a human agent. He concluded that "Beeline's disruptive and revolutionary innovations in the mortgage and property space" provided a strong case for the stock's potential performance, despite broader economic uncertainties.

He also commented on recent trading patterns, stating that Beeline's stock had stabilized around US$1.50 and showed signs of forming a base. The combination of favorable news, product momentum, and insider accumulation led Maund to assert that a breakout from the narrow trading range appeared likely. He set an initial target range of US$5.70 to US$6.20, with a secondary range of US$8.30 to US$8.50.

Mortgage Rates Seeing Some Volatility

Current mortgage rates are down overall, Laura Grace Tarpley reported for Yahoo! Finance on Monday: According to Zillow data, the 30-year fixed mortgage rate has decreased by nine basis points to 6.71%. The 20-year fixed rate has also dropped by six basis points to 5.39%, and the 15-year rate has fallen by eight basis points to 6%.

"Home loan rates have decreased for a few days in a row, but they're still volatile overall," Tarpley wrote. "They might be down for a day or two, then spike the next day. In an unpredictable rate environment, it can be a good idea to lock in your mortgage rate. Just be sure to lock it in with a mortgage lender that offers a rate float-down option — this way, if rates drop before closing, you can snag a lower rate even though you've already locked one in."

CNET reported on April 2 that recent tariff announcements and bond market reactions caused a temporary spike in mortgage rates to 7.1%. While experts expected rates to move lower throughout 2025, the path forward remained sensitive to trade policy and inflation data. Keith Gumbinger of HSH.com noted that ongoing volatility made forecasting difficult but emphasized that clarity on fiscal policy could help stabilize bond yields and borrowing costs.

According to CNBC’s April 11 coverage, the jump in mortgage rates marked the highest level since mid-February, following market reactions to new tariffs and inflation expectations. While the report cited concerns from some economists about housing demand in the near term, it also acknowledged that investor sentiment could shift quickly if inflation trends and policy signals become more predictable.

Ownership and Share Structure

According to Refinitiv, 26.65% of Beeline Holdings is owned by insiders and management and 0.12% is held by institutions. The rest is retail.

Top shareholders include the CEO Liuzza with 23.32%, Director Joseph Freedman with 1.31%, and Head of Investor Relations Geoffery Gwin with 0.79%.

Its market cap is US$11.58 million with 8.1 million shares outstanding. It trades in a 52-week range of US$0.89 and US$29.80.