How a crypto loan saved a $1.7M home purchase

When I first spoke with this client, he was already working with a traditional mortgage company on a $1.7 million single-family home in Missouri. His plan was straightforward: put down 30% from other assets and finance the rest.

Everything shifted at the eleventh hour. The lender, who had originally been comfortable with a 70% loan-to-value ratio (LTV), came back with an approval capped at 50% LTV. That meant instead of bringing $510,000 to closing, he suddenly had to bring $850,000, a gap of $340,000 he hadn’t planned for.

At that point, his financial advisor and the lender both suggested the simplest path was to sell Bitcoin to cover the shortfall. For him, that wasn’t ideal. Selling meant giving up future upside and triggering a taxable event.

Instead, he came to Milo. By pledging a portion of his Bitcoin, he accessed a crypto loan to cover the additional 20% required at closing. This allowed him to complete the purchase on time while continuing to hold his crypto position.

It’s worth noting that traditional mortgage companies generally have access to cheaper capital and can often offer lower rates. That’s the advantage of operating in a seasoned market. Where Milo makes the difference is in flexibility. For clients with significant crypto holdings, we can structure financing around those assets rather than forcing a sale.

This client closed on his new home without compromising his investment strategy. It was a clear example of how crypto and real estate can work together when the right structure is in place.

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.