If you’ve ever had a deal fall apart because someone couldn’t sell their home fast enough—or just couldn’t qualify with two mortgages—you’re not alone. We’ve all been there. It’s frustrating, and even worse, it feels unnecessary.
That’s exactly why I had to bring on Michael Ruiz from Zoom Casa.
Michael’s not just another I-buyer guy. He’s been in the trenches. Loan officer background. Knows what works. Knows what kills deals. And now? He’s got two solutions that are solving some of the biggest friction points in mortgage and real estate right now—Cash Offer Plus and Backup Plus.
These aren’t “maybe” programs. They’re legitimate, plug-and-play tools you can start using today to open conversations, unlock inventory, and close more deals.
Why “Buy Before You Sell” Is a Game-Changer
Let’s paint the picture.
You’ve got a homeowner with equity. They want to move. But they can’t get access to that equity unless they sell first—and that locks them out of buying the next place. Maybe they’ve got kids. Maybe they’re trying to relocate for work. Maybe they’re just stuck.
Sound familiar?
This is where the “buy before you sell” programs flip the script. Instead of needing to sell first, the client gets access to their equity upfront. They buy their next place first, move out, and then list their old home vacant—on the open market.
It’s cleaner. Less stressful. And frankly, way more profitable for everyone involved.
Zoom Casa’s Two Killer Programs: Cash Offer Plus and Backup Plus
1. Cash Offer Plus: Like an I-Buyer, But Better
With this program, Zoom Casa steps in and literally buys the client’s home upfront—but with a twist.
Yes, they get a check at close like an investor deal. But once the home sells on the open market, the client also gets a second check for any remaining equity.
That’s what makes this so different. Instead of the investor keeping the upside, the client does.
And because the home is now vacant, Zoom Casa can help the client get it cleaned up, lightly renovated, staged, and listed right. Not only does the client win with speed, they win on value too.
Best part? Zoom Casa handles this in all 50 states, across property types—including those in rural areas, luxury markets, and homes that need repairs. FHA, VA, conventional—it’s all on the table.
This isn’t just a niche tool. It’s a nationwide lever.
2. Backup Plus: A Killer Option for Asset-Rich, Income-Light Clients
Now let’s talk about the client who has assets—but their income doesn’t cut it for a new home plus their current mortgage. Maybe it’s a retiree. Maybe it’s someone with a trust or big down payment but low reportable income.
Backup Plus is the workaround. Zoom Casa places a non-contingent backup offer on the departing residence—recognized by Fannie and Freddie. This effectively removes the DTI burden of the first home, allowing full qualification on the purchase side.
There’s no equity loan. No second lien. It’s not a bridge loan. It’s a creative workaround that clears the approval path without requiring a sale first.
It’s also extremely cost-effective. Clients can pay a flat 1% (capped at $10K) upfront—or defer and pay 2% of the sales price later. There’s even a 6-month window to sell the home, which is double the industry norm.
