Business · Companies · 1 day ago
Rooftop and Oxy partner to finance homeowners’ property buybacks
Brazilian companies Rooftop and Oxy have partnered to help financially troubled homeowners buy back properties they sold through the HomeCash fund.
Homeowners can sell a property to the fund for 60% of its assessed value and then pay rent to Rooftop, giving them money to address immediate financial needs while keeping an option to reclaim the property.
Under the new partnership, Oxy can finance up to 80% of the amount needed for a buyback, with repayment terms of up to 240 months.
The financing can use a worker’s FGTS balance, a Brazilian employment-linked fund, and Oxy will assess each customer’s credit.
Instead of buying the property back, a former owner can also sell it to someone else and keep the difference between the sale price and the buyback price.
The partnership gives customers another way to regain ownership or benefit from a later sale, though the financing is subject to Oxy’s credit review.
Rooftop has partnered with Oxy to finance former homeowners’ buybacks of properties sold through Rooftop’s HomeCash fund.
Eligible customers can finance up to 80% of the amount needed to repurchase their property, for up to 240 months.
The arrangement allows use of Brazil’s FGTS employment fund balance, and Oxy conducts the credit assessment.
HomeCash buys properties from owners for 60% of their appraised value, after which the former owners pay rent to Rooftop.
Former owners can also sell the property to a third party and keep the difference between the sale price and the repurchase price.
- Who
- Rooftop, a Brazilian startup, and Oxy, a financial company specializing in real estate credit.
- What
- They partnered to finance property repurchases by former owners who used Rooftop’s HomeCash fund.
- When
- The partnership was reported on October 10, 2026.
- Where
- Brazil.
- Why
- To help former owners who need liquidity or face financial difficulties buy back their properties.
This story does not have two clearly opposing sides.
Liquidity solves an immediate financial need in the present, but a structured real estate transaction also needs to consider what may happen at the exit.
Rooftop and Galápagos created the HomeCash real estate investment fund.
Folha reported that Rooftop had partnered with Oxy to finance property buybacks.
- Finance provider
- Oxy
- Buyback financing
- Up to 80% of the amount needed
- Maximum financing term
- 240 months
- HomeCash purchase price
- 60% of the property’s appraised value
- Fund partners
- Rooftop and Galápagos
Sources
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