Introducing the Home Appreciation Partnership (HAP), a new way to cash out without missing out

For many middle-class homeowners, home equity is their most valuable asset. It represents years of hard work, stability, and financial discipline. Yet when life demands change—whether it’s a relocation, retirement, or simply the need for liquidity—accessing that equity often means giving something up: future appreciation, favorable mortgage rates, or peace of mind.

But what if there was a way to unlock that equity today without giving up tomorrow’s upside?

That’s exactly what Bonus Homes, founded by Kyle Kamrooz, is making possible. Through a revolutionary model called a Home Appreciation Partnership (HAP), a category that we created here at Bonus Homes.

We allow homeowners to cash out their equity fast while still sharing in their home's future growth.

Why Traditional Home Equity Options Fall Short

Until now, homeowners looking to access their equity have faced limited, often burdensome, options:

• HELOCs and home equity loans require borrowing money, taking on new debt, and making monthly payments.
  
  
• Cash-out refinancing can lead to higher interest rates and new long-term obligations.
  
  
• Selling the home outright severs all ties to the property—and all potential appreciation down the line.

These outdated solutions can be financially risky, time-consuming, and emotionally draining. That’s why Bonus Homes pioneered a new category—the Home Appreciation Partnership—to transform how homeowners access and retain their wealth.

What Is a Home Appreciation Partnership (HAP)?

The Home Appreciation Partnership (HAP) is a new approach to home equity, invented and led by us here at Bonus Homes. It redefines what it means to sell a home by enabling homeowners to:

• Unlock 100% of their current home equity in as fast as two weeks.
  
  
• Avoid new debt—no loans, no monthly payments.
  
  
• Retain up to 33% of their home’s future market value.
  
  
• Turn their former home into an investment property managed by Bonus Homes.

Unlike anything else on the market, this model allows homeowners to move forward in life without leaving wealth behind—an entirely new value proposition in residential real estate.

A Mission Born from Personal Loss

For our CEO Kyle Kamrooz, the Home Appreciation Partnership is more than a business model, it’s a mission. After watching his family lose their home during the 2008 financial crisis, he became committed to helping middle-class families retain their most important financial asset.

That experience became the driving force behind Bonus Homes and its innovative new category—giving families a smarter way to unlock wealth without losing future opportunities.

Real Results: Susie’s Bonus Home Story

In 2022, Susie faced a tough decision. She had to relocate from Gilbert, Arizona, to Atlanta for a new job. With $160,000 in equity and a 2.75% mortgage, selling meant sacrificing her low rate—and any future appreciation.

Instead, she discovered Bonus Homes and entered into a Home Appreciation Partnership.

Within two weeks, she received her full $160,000 equity—no showings, no open houses, and full flexibility on her move-out schedule. Bonus Homes took over the property, handled all maintenance, and even replaced a broken HVAC system at no cost to Susie.

By 2025, her home had appreciated and her passive wealth grew by $23,000. Over the next decade, her estimated gain could exceed $150,000—a future she would have given up had she sold it the traditional way.

A Win-Win Model for Everyone

Bonus Homes isn't just helping individuals—it’s changing the economics of homeownership at scale. Kamrooz estimates that if 50,000 homeowners chose a Home Appreciation Partnership over a traditional sale, it would immediately inject $6 billion into the economy and generate over $10 billion in long-term wealth.

We are already active in 25 fast-growing U.S. markets—from Winston-Salem, North Carolina to Phoenix, Arizona—offering homeowners in today’s frozen housing market a way to move forward.

“Right now, we’ve got 40 million people locked into their homes with historically low interest rates,” says Kamrooz. “With Bonus Homes, you won’t look back in 10 years and regret selling. Instead, you’ll still have a stake in your home’s growth.”

How Bonus Homes Works

• Step 1: Submit basic info on the Bonus Homes website.
  
  
• Step 2: If your home qualifies, you’ll get a cash offer without listing it.
  
  
• Step 3: After a brief evaluation, you receive 100% of your equity—fast.
  
  
• Step 4: Bonus Homes manages the property while you retain a share of appreciation.

And when it comes time to sell, you decide when—with Bonus Homes there to support maximizing your return.

Redefining Wealth for the Middle Class

Bonus Homes' Home Appreciation Partnership is more than a financial tool—it's a reimagining of how middle-class families build and preserve wealth. It provides the liquidity people need today, while keeping them invested in the asset they’ve worked hardest to build.

“With this model, homeowners can meet their immediate financial needs today without giving up their ability to build wealth for tomorrow,” Kamrooz explains.

We didn’t just rethink how you sell a house—we created an entirely new category to protect the financial future of middle-class families throughout the country.

If you're looking to move forward without moving on from your wealth, this might be your smartest next step.

Learn more or see if your home qualifies at BonusHomes.com.

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