#31 - Kyle Kamrooz, Founder & CEO at Bonus Homes
Slice of Real Estate Team
09/17/2025
Episode details
In Episode #31 of Slice of Real Estate, Kyle Kamrooz, Founder & CEO at Bonus Homes.
Listen to the full episode to learn about:
- Revolutionizing Home Equity Access: Kyle Kamrooz introduces a new financial model that lets homeowners tap into equity without selling their homes.
- Home Appreciation Partnership (HAP): Bonus Homes' unique structure offers homeowners cash upfront while retaining ownership and sharing future appreciation.
- Passive Wealth Creation: Clients enjoy passive income and long-term appreciation gains—without the burden of being a landlord.
- Serving Underserved Markets: Bonus focuses on middle America and emerging growth cities like Phoenix, Memphis, and Charlotte.
- Support During Life Transitions: The model aids those facing foreclosure or life hardships, offering stability without sacrificing future gains.
Watch
Listen
Read More
Kyle Kamrooz’s Journey: From Mortgages to Mission-Driven Innovation
Kyle Kamrooz didn’t set out to disrupt the homeownership model—he grew into it. After building scalable mortgage businesses and later co-founding Cloudvirga, a white-labeled mortgage automation platform, Kyle sold his company and transitioned into venture investing. But a personal story—the forced sale of his father's home—stuck with him. That experience planted the seed for Bonus Homes.
Why Bonus Homes Exists: Solving a Common Financial Dilemma
Too many homeowners are forced to sell in order to access equity. Kyle saw a deeper problem: families unknowingly giving up appreciating assets just to unlock liquidity. Bonus Homes offers an alternative—keep your home, get your equity, and benefit from future appreciation.
The Bonus Homes Model: Home Appreciation Partnership (HAP)
At the heart of Bonus Homes is the HAP—a model that provides homeowners with their equity upfront without taking ownership. The home is converted into a rental, professionally managed by Bonus, while the homeowner retains ownership and shares in the future appreciation. No interest. No payments. Just partnership.
Real-World Impact: Passive Wealth Creation and Life Stability
A standout story shared by Kyle involves a homeowner in Surprise, AZ, who received $150,000 in equity while retaining a 33% stake in future appreciation. Bonus managed everything—from tenants to repairs—turning her home into a truly passive asset. Another homeowner, facing foreclosure, used Bonus to stabilize his finances and avoid losing long-term wealth.
Targeting Growth Markets and Underserved Homeowners
Bonus isn’t for luxury properties. It’s focused on $500K-range homes in cities where jobs and populations are growing—places like Phoenix, Memphis, Birmingham, and parts of Ohio. The mission is to serve those who need equity access but want to maintain ownership and build wealth over time.
Reframing the Ownership Equation
Bonus Homes doesn’t buy homes—it empowers homeowners. It’s a model designed not just to prevent financial regret, but to create lasting generational wealth from what is often a person’s most valuable asset: their home.
