How this investor bought a $1.65M home with zero down

When my client came to us, he had been holding Bitcoin for over 15 years. Over that time, his portfolio had grown by more than 500 times. He wasn’t just a casual investor. He had conviction, patience, and a long-term view that had clearly paid off. On paper, his net worth was substantial. But when he set out to purchase a new home, traditional lenders were not interested in that part of the story.

He had purchased his current home more than a decade ago, back when his finances looked very different. Now, he was ready to upgrade to a $1.65 million single-family property in Indiana. His total assets justified the move. The problem was, his income and traditional portfolio had not grown at the same pace as his Bitcoin. His income was stable, but not enough to support a purchase of this size under conventional lending guidelines.

If he were willing to sell some of his Bitcoin, he likely could have qualified through a bank. Selling would have unlocked liquidity, improved his debt-to-income ratio, and helped him meet standard requirements. But for him, that was not an option. The bulk of his net worth was in Bitcoin. He believed it would continue to appreciate and could not justify selling at this stage.

That is where we came in. At Milo, we offered a crypto mortgage that allowed him to borrow 100 percent of the purchase price using his Bitcoin as collateral. There was no need to sell assets, no income documentation required, and no traditional roadblocks. We looked at his crypto position and the value of the property, not at his paycheck or tax returns.

With a 100 percent loan-to-value crypto mortgage, he was able to complete the purchase without touching his cash or investment accounts. He retained full ownership of his Bitcoin and was not forced into a taxable event.

In the end, he secured the upgraded home he wanted while holding onto the asset that built his wealth in the first place. It was a smart move that let his crypto work for him, without compromise.

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.