Bonus Homes offers a Home Appreciation Partnership that gives homeowners a full cash payout of their equity within two weeks while the company converts the property into a fully managed rental. The homeowner retains a share of any future appreciation and can later sell the home to capture additional gains, effectively cashing out twice. This solution provides immediate liquidity without the hassles of a traditional sale and preserves long‑term wealth potential.
Funding
$65.5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Homeowners with significant equity often must sell their property to access cash, losing the ability to benefit from future appreciation and forfeiting low mortgage rates. Traditional sales are time‑consuming, costly, and provide no ongoing financial upside.
Solution
Bonus Homes offers a Home Appreciation Partnership (HAP) that lets homeowners receive a full cash payout of their available equity within two weeks without listing or showing the home. Bonus purchases the property, converts it into a fully managed rental, and assumes all mortgage, insurance, maintenance, and tenant responsibilities. The homeowner retains a share of any future appreciation and can sell the property after a minimum holding period, effectively cashing out twice—once today and again later as the home’s value grows. The process is streamlined through an online offer, a brief home evaluation, electronic signing, and coordinated move‑out, providing immediate liquidity while preserving long‑term wealth potential.
Target Audience
Primary customers are middle‑class homeowners with substantial equity and low mortgage rates who need immediate cash for a move or other expenses, as well as real estate agents and mortgage professionals seeking alternative solutions for their clients.
Features
- Full equity cash payout in 14 days or less, no buyer, staging, or showings required
- Bonus assumes all ongoing costs (mortgage, insurance, maintenance, tenant placement) and manages the rental property
- Homeowner retains a percentage of future appreciation, enabling profit from the home’s value increase over 5‑30 years
- Minimum qualification: 4% or lower mortgage rate, 3‑5 bedroom single‑family or townhome, value ≤ $550,000
- Transparent fee structure with a standard transaction fee and shared future equity arrangement
- Online offer and e‑signature workflow with coordinated move‑out support
- Option to sell after a 5‑year holding period, capturing accumulated appreciation