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

This is one of my favorite client stories. Not just because of the outcome, but because it was one of the smoothest transactions I have experienced since getting into crypto-backed mortgages. As someone who has been in the mortgage industry for a long time, it was rewarding to see how far technology has come in simplifying access to property ownership and how Bitcoin can play such a powerful role in making it happen.

The client came to me with a clear goal: use his crypto gains to buy an investment property without selling his Bitcoin. He had built substantial wealth through early investments in both stocks and crypto, with millions in digital assets. But qualifying for a traditional mortgage was anything but straightforward. His reported income was modest, his liquid fiat was limited, and his Debt-to-Income (DTI) ratio was well beyond what most banks would accept.

Selling his Bitcoin was never an option. Doing so would have triggered a large capital gains tax bill and meant giving up what he believed was a long-term growth asset. He wanted to keep his BTC intact and still move forward with his real estate purchase.

We structured a crypto-backed mortgage using over $2.5 million worth of his Bitcoin as collateral, which allowed for a 100% Loan-to-Value mortgage without selling a single coin. The process moved seamlessly from start to finish. By preserving his BTC position, he avoided the tax hit and stayed invested through a rebound that has since pushed his holdings up more than 30 percent since closing.

Today, he owns a $2.575 million investment property and still holds the Bitcoin that helped make it possible. Seeing two wealth-building assets grow side by side without compromise is exactly why this story stands out for me. It shows what is possible when innovative financing meets forward-thinking investors.

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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.