Investor buys home with Bitcoin, skips DTI and downpayment

I recently worked with an investor who came to us while exploring options for her next real estate purchase—a single-family home in Texas valued just over $300,000. She already owned several properties and was familiar with the ins and outs of real estate, both long-term holds and flips. But this time, she wanted to try something different: using her crypto to buy, without selling it.

She’d heard that leveraging Bitcoin for real estate was possible, but had been skeptical. Like many investors, she wasn’t sure how it worked, and she didn’t want to risk working with a lender that didn’t understand real estate financing. So she held off.

But with her debt-to-income ratio (DTI) acting as a consistent roadblock and still unwilling to part with her crypto, she started looking seriously. That’s when she found us—the only credible crypto lender offering true long-term financing, not just short-term bridge loans. The fact that we specialize in real estate finance helped her feel confident moving forward.

She had a strong Bitcoin position and was looking for a mortgage option that didn’t require her to liquidate assets or qualify based on her debt portfolio. With our structure, she was able to use her Bitcoin as collateral and secure a 100% loan-to-value (LTV) mortgage. That meant no downpayment—none.

In my decade of mortgage experience, it's common for clients to rely on selling one property to fund the down payment for the next. This approach often introduces delays and dependencies that can hinder timely acquisitions. However, by leveraging her crypto assets, she bypassed the need to sell an existing property, allowing her to move forward independently and on her timeline.

This kind of flexibility allowed her to move forward independently, without compromise. She could keep her current portfolio intact, buy a new property, and use her cash to renovate and raise the rental value from the start.

The process was straightforward. Without needing to validate income, we avoided the friction that usually comes with bank underwriting. We focused on the value of her assets and tailored the loan to fit her goals.

It’s worth noting: not every client uses crypto the same way. Some use it to post reserves, others sell a portion for a downpayment, and some, like this investor, use it as full collateral for 100% financing. There’s no single model. Our job is to make sure the structure supports the strategy.

In the end, she kept her crypto, kept her cash, and added another income-producing property to her portfolio. That’s what this program is about—options that work for investors, not the other way around.

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.