This customer used his equity to buy $1M in Bitcoin

My client owned a $3,500,000 single-family investment property in California with more than $1,000,000 in equity that was not compounding. His view was simple. Equity sitting in a wall isn’t working. He wanted to redeploy $1,000,000 into Bitcoin, keep the property, and set up a path to leverage crypto for future acquisitions.

He chose Milo because we underwrite investment properties on the asset’s performance and value, not only personal documentation. For investment loans, we focus on the property and its income coverage, often called DSCR, which looks at whether the rent supports the mortgage payment. That let us move quickly without asking him to reshape his finances.

We executed a 65 percent loan-to-value refinance. LTV is the ratio of the loan amount to the property value. At 65 LTV on a $3.5M asset, the target loan size leaves healthy equity in place, which keeps risk in check and pricing reasonable. He drew $1,000,000 tax-efficient liquidity and immediately allocated it to Bitcoin. Shortly after, his BTC position appreciated by more than 20 percent, while the property continued generating rental income.

What mattered most to him:

1. Capital redeployment with speed One close unlocked seven-figure liquidity and kept ownership intact. No sale of the property. No second-lien patchwork. Capital was ready for immediate allocation to BTC.

2. Portfolio flexibility By keeping the refinance and crypto strategy under one roof, he set clean next steps. He can later use BTC as collateral for another purchase or use crypto as qualifying reserves while keeping self-custody. Same team, end-to-end.

3. Risk and runway At 65 LTV, the property retained meaningful equity. Rental income supported the debt, and he preserved the option to curtail principal or reprice if the market shifts.

The process was straightforward. We validated property value and rental coverage, structured the 65 LTV refinance, and coordinated funding so the BTC allocation could be executed without delay. He kept the property, unlocked $1,000,000, and put the capital to work in a way that matched his outlook.

To me, this is what investment property financing should enable. Use the real estate you already own to fund the next move, then keep optionality open to leverage crypto for future growth. If your plan involves both property and digital assets, Milo is built to handle the full path.

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.