E.R. Home Buyers logo

Equity Protection Program

Keep the equity a cash sale would leave on the table.

Not every house should be sold to an investor. When the open market will pay more, we partner with you instead: we prepare and market the home on the MLS, we absorb every closing cost and commission, and you keep the difference — with a guaranteed floor in writing before we ever list. Most partnership listings close in 60 to 90 days.

Well-kept brick suburban home with a mown lawnTwo story family home in good condition with a front porchTidy living room with hardwood floors in a well maintained home

The program fits homes in average to good condition — the kind buyers finance on the MLS.

How the partnership works

  1. 01

    Side-by-side numbers

    We show you our cash offer and a realistic MLS net based on comparable sales, days on market, and the work the house needs. If cash wins, we tell you.

  2. 02

    Partnership agreement

    A written agreement sets your protected minimum — the floor you're guaranteed — plus how any upside above it is shared. Plain English, reviewed by your attorney if you like.

  3. 03

    We prepare the property

    Cleanout, cosmetic updates, and staging where it pays for itself. Coordinated and funded by us, not billed to you.

  4. 04

    Full MLS marketing

    Professional photography, syndication to Zillow, Realtor.com and the rest, licensed agent representation, showings and negotiations.

  5. 05

    We pay the costs

    All closing costs, both listing and buyer-side commissions, title and attorney fees come out of our side of the table.

  6. 06

    You approve and get paid

    No offer is accepted without your signature. Most listings go under contract and close within 60 to 90 days, and at closing you receive your protected minimum plus your share of the upside.

Who it fits best

Homes in decent shape

Livable properties where light work and good marketing move the price meaningfully.

Owners with time, not cash

You can wait for a market sale but can't fund repairs, staging, or agent fees up front.

Equity-heavy situations

Long-held or inherited homes where the spread between cash and retail is simply too large to ignore.

Need speed or certainty above all else? Our cash as-is offer is probably the better fit.

Partnership results

Their cash number was fair, but they were honest that we'd net more listing it. We partnered on the Equity Protection Program, they covered the closing costs and both commissions, and we walked away with about $28k more than the straight cash offer.

Marcus & Tanya W.

Raleigh, North Carolina · Equity Protection

They put the house on the MLS, handled photos and showings, and paid the commissions out of their side. It sold and closed inside 90 days. Genuinely the easiest sale of the three homes I've owned.

Alicia S.

Durham, North Carolina · Equity Protection

My house was in decent shape and I didn't want to give it away. They listed it, covered every cost, and I kept the equity. Weekly updates the whole way through.

Priscilla B.

Winston-Salem, North Carolina · Equity Protection

I had no money for staging or repairs. They fronted all of it, marketed it properly, and I never wrote a check. Closed right around the 70-day mark.

Andre L.

Charlotte, North Carolina · Equity Protection

The partnership let me capture market value on a home I couldn't afford to prep. Everything was in writing before we listed.

Gregory S.

Fredericksburg, Virginia · Equity Protection

Good house, bad timing for me financially. They handled the listing and commissions and I netted far more than the cash number.

Camila O.

Fort Worth, Texas · Equity Protection

My condo was clean and market-ready, so they recommended listing over cash. Sold in about two months and they paid both commissions.

Elena V.

Orlando, Florida · Equity Protection

I live in Ohio and the property was a rental I was tired of. The partnership option let me keep the upside from the listing without paying agent fees. Clear paperwork, no surprises.

Bill R.

Columbus, Ohio · Equity Protection

Get your no-obligation offer

Tell us about the property. We respond within one business day with a cash number and, if it would net you more, an Equity Protection estimate side by side.

No fees, no obligation, and we never pressure you. Your information stays with our team.