1. Millions of homeowners locked in historically low interest rates between 2017-2021. That rate is GOLD. Why not capitalize on that low rate instead of selling the home and losing something that will probably never exist again? Because of that low rate, we created a product that lets you cash out all your equity today, move on with life and profit again later when your house is worth more.

Here is a real life example of how it works:

On of our first members, Susie, bonused her home in Gilbert, Arizona in October 2022—her home and the mortgage on his home fit our parameters. She wanted her equity out to put toward a new home in Atlanta where her new job was located.

At the time, the home was worth $410,000 and she wanted $160,000 of equity out. She heard about Bonus Homes through a friend and was surprised that this existed because she knew she had a 2.75% rate on her home that she was going to let go of because of her move.

Bonus cashed out all her equity; $160,000 in 14 days. No showings, no buyer, and everything was wired to her through an escrow company, just like a sale. We were flexible on her move-out timing as she needed about 30 days to get everything out and move cross country. Susie now has two homes—the new one in Atlanta and her former property, which is now an investment home that Bonus manages and pays for entirely. She was also able to qualify for the new home even with keeping the old home.

Since then, Susie has done absolutely NOTHING on the home. Bonus has had a tenant in place since her move and has been covering every payment or issue on the home. We even replaced an HVAC system that broke. That cost will never come from Susie. We covered it.

In January 2025, Bonus did an annual home value check—Susie’s home is now worth $485K. Based on Susie’s percentage of upside, she now has $23,000 of profit built into that home and it’s only been 2.5 years. That’s $23,000 for doing, literally nothing—like a stock that just increases in value.

Think about that:

2022 she cashed out all her equity $160,000 ‍

2025 she already has $23,000 of new wealth that’s still growing‍

She keeps this home for another five years, that $23,000 will only grow more with time.

In 10-15 years we are confident Susie will have built another $150,000 or more of wealth that she never would have had if she sold the home in 2022.

During this entire time, she will never pay a dime on this home until she decides to sell and her asset will only get more valuable.

Thats how Bonus works.

If you have a great home with a fixed low rate, we built a way to turn it into a wealth-generating asset where both sides truly win.

We’ve spent two years developing a financial structure that allows you to keep upside while also accessing the full equity you need today—without taking on debt or paying extra costs.

2. A majority of homeowners in America are forced to follow a fractured system that forces them into one solution: if you want to move, you must sell this asset that will undoubtedly be worth more in the future. That "sacrifice"—which satisfies what they need today, which is the cash out to move on with life—doesn't give the middle class many options for creating long-term wealth.

We’re not some faceless corporation looking to gobble up rental properties. We’re here to bring wealth back to the middle class. Our CEO, Kyle, saw this firsthand when his dad sold their family home for $585,000—knowing it would appreciate, but needing all the cash equity to move. That home is now worth twice as much. If a model like Bonus had existed back then, his dad could’ve accessed liquidity without giving up future upside. Kyle’s wheels started turning. The wealthy are not forced to sell appreciating assets when they move because they do not need the homes' equity in order to move—they have options. The middle class, on the other hand, need to cash out their equity when they move either to put that money toward a new home to qualify or handle personal matters. That doesn't seem fair.

Currently, Bonus Homes invests in detached single-family homes that are primary residences, rental properties, or investment properties with interest rates at or below 4.25%. Unfortunately, townhomes, condos, manufactured homes, and commercial properties are not eligible for investment at this time. Because our investment criteria may change in the future, please follow us on social media to get notified when our qualification criteria changes.

View our map to see all the locations where Bonus Homes currently operates.

No, and it’s not even close. We designed the Bonus model to provide homeowners with a better, faster, and more financially lucrative option than selling. Agents also find this as a better solution for their clients versus the traditional sales process.

- Don’t have to deal with a buyer

- Don’t have to spend money and time staging

- Don’t have to leave their homes on the weekends to show

- Can close in as little as two weeks or when it’s most convenient for them

- Still receive a full cash equity payout based on their home’s market value

As an example, if a homeowner’s new home won’t be ready for 1-2 months, they don’t need to move into a temporary home—they can simply stay in their current one and move on their terms, not their buyers’. Our goal is to keep the process as simple and easy as possible.

The good news is that bonusing your home costs less than selling your home. The only cost that Bonus charges to the homeowner is a small transaction fee. Other pass-through, third-party costs are similar to selling a home, which could include title and escrow services and your listing agent’s compensation.

Bonus Homes does not offer or provide loans. We invest in homes. Thus, there is no interest rate, an APR, monthly payments, annual payments, or surprise payments. By investing in your home and cashing out your equity, Bonus will receive an appreciation percentage upon a later sale. Further, we are not a bridge loan, wrap mortgage, subject to or seller financing.