Most investors only claim depreciation when they buy a property. We find deductions upfront through cost segregation, plus ongoing savings every time you renovate, replace appliances, or improve the property. Our platform connects to QuickBooks to automatically identify deductible expenses you might overlook — turning your bookkeeping into a tax-saving engine.

Cost segregation is an IRS-approved strategy that accelerates depreciation by reclassifying parts of your property (flooring, fixtures, landscaping, etc.) into shorter depreciation schedules — 5, 7, or 15 years instead of 27.5 years. This front-loads your tax deductions, often generating $15,000–$50,000+ in year-one savings on a typical rental. Overline estimates your potential benefit for free, so you know if it's worth it before paying for a full study. See <a href='/blog/how-much-does-cost-segregation-save' style='color: #004643; font-weight: 600;'>actual savings by property type</a> or use our <a href='/blog/is-cost-segregation-worth-it' style='color: #004643; font-weight: 600;'>decision framework</a> to evaluate your ROI.

Insurance premiums creep up every year while coverage gaps put you at risk. Overline benchmarks your rates against our carrier network to catch overcharges, and we use your cost segregation asset inventory to document property values — which speeds up claims and helps maximize payouts if something goes wrong. Your tax analysis doubles as insurance protection.

Without proper legal structure, one tenant lawsuit could threaten your home, savings, and personal assets. An LLC creates a liability shield — if something happens at your rental property, creditors can only pursue the LLC's assets, not your personal wealth. Overline helps you set up LLCs and trusts the right way, keeping each property's risk separate from you and from each other.

Your CPA files your taxes based on what you give them. Overline proactively finds savings they might miss — like ongoing depreciation from renovations, insurance optimizations, and partial asset dispositions. We don't replace your CPA; we make their job easier by surfacing opportunities and providing documentation they can use directly. Think of us as your always-on financial co-pilot.

Overline is designed for working professionals (W-2 employees, business owners, high-earners) who invest in rental properties on the side. Whether it's your first rental or your tenth, we bring institutional-grade financial optimization to individual investors — the same strategies private equity and family offices use, but accessible and automated.

Start by joining our waitlist — we'll invite you to connect your properties and run a free analysis to show your potential savings. From there, you can access our tax optimization tools, insurance benchmarking, and LLC setup services. Most users see their first actionable insights within minutes of signing up.