For $C^*$-algebras $\mathcal{A}$ of real rank zero, we describe linear maps $\phi$ on $\mathcal{A}$ that are surjective up to ideals $\mathcal{I}$, and $\pi(A)$ is invertible in $\mathcal{A}/\mathcal{I}$ if and only if $\pi(\phi(A))$ is invertible in $\mathcal{A}/\mathcal{I}$, where $A\in\mathcal{A}$ and $\pi:\mathcal{A}\to\mathcal{A}/\mathcal{I}$ is the quotient map. We also consider similar linear maps preserving zero products on the Calkin algebra.