Financing a $1.8M dollar Florida home with zero down payment

I met the client after a decade of disciplined Bitcoin accumulation. He had lived in the same home for years, watched his BTC appreciate, and decided it was time to upgrade. He worked as an engineer and earned good money, but not the kind of W-2 profile that would qualify him for a larger home without liquidating a meaningful slice of his Bitcoin. Selling did not fit his plan.

He wanted a $1,800,000 single-family home in Florida. Traditional lenders focused on income and ignored most of the value sitting in his BTC. That approach forced an unnecessary tradeoff. Either shrink the target home or sell coins into taxes and potential upside. He came to Milo looking for a path that respected the balance sheet he had built.

We structured a 100 percent loan-to-value crypto mortgage. LTV is the ratio of the loan amount to the property price. At 100 LTV, the full price is financed, so there is no cash down payment at closing. Instead of selling Bitcoin, the client pledges BTC as collateral equal to the purchase price. He keeps exposure while the mortgage funds the home.

Two points made this structure the right fit.

1) Opportunity cost and tax timing He avoided realizing gains just to satisfy a down-payment rule. No sale meant no immediate tax bill and no risk of being out of the market during the next leg. He secured the home he wanted while letting his BTC thesis play out over a longer horizon.

2) Qualification that recognizes digital assets Where traditional underwriting prioritized pay stubs, we underwrote to real wealth. Verified BTC holdings formed the backbone of the collateral plan. The loan did not depend on inflating income or taking on side debt that would complicate life later.

Process matters as much as structure. We verified assets, aligned custody and transfer steps for the pledged BTC, and set a closing calendar that matched his purchase contract. There was no need to unwind positions, no scramble to source a down payment, and no detour into short-term credit that would later need to be refinanced.

On closing day, he kept his Bitcoin and took title to a $1,800,000 home. The balance sheet outcome was what he wanted. Real estate equity begins to build with each payment, and his BTC remains positioned for long-term appreciation. He upgraded his life without abandoning the asset that built the opportunity.

For crypto-native clients, this is the point of a 100 LTV crypto mortgage. It converts digital assets into productive collateral for housing without forcing a sale. It recognizes that wealth can live on-chain and still qualify for a well-priced home in a competitive market. And it does so with predictable rules that make managing through cycles straightforward.

If you hold meaningful Bitcoin and want your next home to align with your portfolio, Milo can map a plan that respects both.

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.