BTC investor buys the dip, then refinances for lower Rate

When Bitcoin dipped, he didn’t hesitate. He called me.

This self-employed, crypto-wealthy, and always looking for the right moment to act. He had a clear strategy: use the price drop to buy more BTC, but do it without selling off what he already held. That meant moving fast.

We structured a short-term crypto loan using his Bitcoin as collateral. No income documents needed. No delay. We funded it in 24 hours. He got the liquidity he needed to execute his plan while keeping his assets intact.

But this loan was always meant to be temporary.

Once he had completed the crypto purchase, he pivoted to optimize his position. He owned a single-family home in New Jersey, valued at $1.3 million. We moved into a refinance strategy—this time using that property as the asset backing the loan.

He took cash out from the home to pay off the short-term crypto loan. The refinance gave him access to a much lower interest rate with a longer repayment term, reducing his carrying costs significantly. Because we were able to count his Bitcoin holdings toward his reserves—a requirement that helps demonstrate financial stability—he qualified easily despite being self-employed.

Traditional lenders often struggle to assess clients like this. They get stuck on income requirements or dismiss crypto wealth entirely. Our approach is different. We see the full picture.

In his case, the final loan was structured at 40 percent Loan-to-Value (LTV). That means the loan covered only a fraction of the property’s worth—a position lenders view as low-risk. Since we didn’t use income to qualify him, there was no need to calculate a Debt-to-Income (DTI) ratio. His crypto did the work for him.

We also make it a point to show clients that there’s no one-size-fits-all approach to using crypto. In this case, the client used his Bitcoin as collateral for a short-term crypto loan to access liquidity quickly, and later, we used his crypto as reserves to help him qualify for the refinance.

But that’s just one path. Crypto can play different roles depending on your strategy:

• It can be posted as collateral to finance up to 100 percent of the purchase price, eliminating the need for traditional income verification
• It can be counted as reserves, which helps meet lender requirements to show financial stability
• It can be used to fund a down payment through a short-term crypto loan, allowing clients to access cash without selling their holdings
• And for those who prefer, it can also be sold to generate a down payment directly

The point is: crypto doesn’t need to be liquidated to work for you. Whether you’re financing, refinancing, or simply trying to keep your strategy intact, we structure loans around your goals.

What made this experience work was timing, communication, and the ability to build a solution around the client’s needs. He didn’t have to choose between holding BTC and taking action. He did both. And we made it happen—fast.

The opinions expressed in the Blog are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product.