Out of cash and time, he used crypto to save his flip

I worked with a Florida-based investor who built his business flipping homes. He had a disciplined approach: buy, renovate, sell, repeat, while keeping no more than two loans active at any given time. But opportunity doesn’t always follow the schedule, and this time he found himself juggling more than expected.

He had just picked up two neighboring properties in a fast-moving Orlando neighborhood. His plan was to renovate both and sell quickly. But the project he was depending on, the sale of a larger single-family home, ran into a permitting issue. That delay meant he was suddenly stuck with three mortgages, limited cash flow, and no clear timeline for the release of funds. Renovations on the third property couldn’t start without liquidity, and traditional options weren’t working.

He reached out to hard money lenders, but the rates were high, and the repayment terms were rigid. He even considered selling some of his long-held crypto, but for someone who had stayed in the market through years of volatility, selling at that point felt like a last resort. That’s when he found Milo.

What stood out to him was the speed, and that our loan wasn’t tied to his income profile or to the property itself. With traditional lenders, his DTI (Debt-to-Income ratio) would’ve stalled the process, and a hard money loan would’ve put another lien on his project. Neither would have moved fast enough.

He opted for a 50% LTV crypto loan, meaning he used his crypto as collateral to borrow up to 50% of its current value. We secured and funded the $115,000 loan the same day. No income documentation, no property underwriting. Just verified collateral and the liquidity he needed.

He completed the renovation ahead of schedule and was able to list the home within weeks. When it sold, he repaid the loan within six months. There was no prepayment penalty, which meant he paid less interest and avoided additional financing costs on both the crypto loan and the property’s mortgage.

The entire process gave him the ability to finish what he started without selling his crypto or exposing himself to unnecessary fees or friction. And from my side, it was a reminder of why flexibility matters in real estate financing. Timing doesn’t always line up perfectly, but the right loan structure can keep momentum going, even when plans shift.

Looking to unlock liquidity without giving up your crypto? Whether you're renovating, investing, or just need to move fast, Milo's crypto loan can help you stay on track without sacrificing long-term gains.

Connect with our team to explore your options.

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.