For millions of middle-class homeowners, home equity represents their greatest financial asset—yet it often remains locked away, not easily accessed when other needs and opportunities arise. Bonus Homes offers an innovative alternative.
Founded by Kyle Kamrooz, Bonus Homes reimagines how homeowners sell their home, enabling them to access their existing equity while retaining a share of their home’s future appreciation.
Traditional methods of accessing home equity—such as home equity loans, lines of credit (HELOCs), cash-out refinancing, or even selling the home entirely—can be burdensome and risky. These options often involve taking on new debt, high repayment obligations, or, in the case of selling, losing out on future appreciation of the property.
Bonus Homes offers a different approach to selling a home by enabling homeowners to cash out all their home equity in 2 weeks without taking on new debt or having to find a buyer. Instead of selling it, Bonus Homes is advancing a new category called Home Equity Sale which enables homeowners the ability to unlock 100% of their current equity while retaining up to 35% of their home’s future market value. Homeowners now own an investment property that will only grow in market value what is now part of their long-term retirement portfolio.
Kamrooz’s mission behind Bonus Homes is deeply personal. He watched his father lose everything—including their family home—during the 2008 financial crisis. That home, had they been able to keep it, would have grown significantly in market value. Determined to create a better financial path for middle-class homeowners, Kamrooz saw an opportunity to enable homeowners to retain their wealth and navigate life’s challenges without sacrificing their future financial security. This vision led to the creation of Bonus Homes.
The Bonus Homes process is simple. Homeowners begin by submitting basic information on the Bonus Homes website. If the property meets the company’s criteria, a cash offer is made—without the need to list the home. After a brief in-person evaluation, homeowners receive their equity in cash, without the typical cost of selling a home and the time it takes to find a buyer and show the home every weekend.
“Our goal is to maximize the future market value of the property. We’ll make sure the house functions well, possibly upgrading it with smart technology if it adds market value,” says Kamrooz.
Homeowners decide when the property is eventually sold (with the help of Bonus Homes to determine the right time to do so). Bonus Homes and the homeowner share in the home’s appreciation. This innovative structure ensures that both homeowners and Bonus Homes are aligned in the property’s future appreciation.
“With this model, homeowners can meet their immediate financial needs today without giving up their ability to build wealth for tomorrow,” said Kamrooz.
Bonus Homes’ potential is significant. Kamrooz estimates that if 50,000 homeowners chose to “bonus” their homes instead of selling, it would inject $6 billion into the economy immediately and generate an additional $10 billion in wealth over time.
Already active in fast-growing markets across 10 U.S. cities—including Birmingham, Alabama, and Phoenix, Arizona—Bonus Homes provides a viable alternative for homeowners who may feel financially stuck due to high interest rates and a slow housing market.
“Right now, we’ve got 40 million people locked into their homes with historically low interest rates,” Kamrooz explained. “With Bonus Homes, you now will not regret looking back in 10 years from now and wishing you held onto your home that is now doubled in market value. Bonus Homes gives you the cash you need today to move onto your next journey in life, while giving you that chance to profit again when the house is worth even more.”
By rethinking home equity, Bonus Homes is helping middle-class build long term wealth for their retirement all the while meeting their needs today with a seamless way to move on with life.
How Bonus Homes Works
In October of 2022, Susie Bonused her home in Gilbert, Arizona, as she needed to relocate to Atlanta for a new job. She had built up $160,000 in equity in her home, but selling it meant losing her ultra-low 2.75% mortgage rate and missing out on future appreciation. She heard about Bonus Homes through a friend and was ecstatic that such a solution existed.
Instead of selling, Bonus Homes gave her the full $160,000 equity within two weeks—no showings, no waiting for a buyer, and complete flexibility on her move-out timing. Since then, Bonus Homes has managed the property, covering all maintenance costs—including replacing a broken HVAC system—at no expense to Susie.
Fast forward to 2025, and her former home’s market value has risen to $485,000, meaning she has already accumulated $23,000 in new wealth—without lifting a finger. If she holds onto the property for another decade, Bonus Homes estimates her share of appreciation could exceed $150,000—money she would have lost had she sold in 2022.