How my client used Bitcoin to buy a $2.575M property, without selling

One of my recent clients reached out with a clear goal: he wanted to turn his crypto gains into real estate—but he didn’t want to sell his Bitcoin to do it.

He had built substantial wealth through early investments in both stocks and crypto, with millions in digital assets. But despite that, qualifying for a traditional mortgage wasn’t straightforward. His reported income was modest, and he didn’t have enough liquid fiat for a down payment. That pushed his Debt-to-Income (DTI) ratio beyond what most banks would accept.

Enter Milo's crypto mortgage solution.

On top of that, selling his Bitcoin wasn’t on the table. He wanted to avoid triggering capital gains tax and believed strongly in the long-term upside of holding.

That’s where we came in. I worked with him to structure a crypto mortgage that used over $2.5 million of his Bitcoin as collateral. We were able to offer a 100% Loan-to-Value (LTV) mortgage without requiring a single coin to be sold.

It turned out to be a smart move. Had he sold to fund the purchase, he would’ve taken on a major tax bill and missed out on the rebound. Instead, by using his crypto as collateral, he preserved his long position, and has seen it increase in value by more than 30% since the loan closed.

Today, he owns a $2.575 million investment property and still holds his Bitcoin. No compromises, no trade-offs, just a smarter way to put his crypto to work.

These are the moments that remind me why this product exists. For crypto investors who don’t fit into traditional boxes, this kind of flexibility makes all the difference.

If you’re thinking about how to use your crypto to invest in real estate, I’d be happy to walk you through what’s possible.

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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.