Loan-to-Value Ratio (LTV)

LTV is the ratio of how much you're borrowing to how much the property is worth. It's the primary collateral-side qualifying metric: lower LTV means the lender has more cushion if values fall.

Conventional loans cap LTV at 95%–97% for owner-occupied purchases; going above 80% usually triggers PMI. Investment-property and jumbo loans have tighter LTV caps. For a crypto-backed mortgage, there are two LTVs to watch: the property LTV and the crypto collateral LTV.

Why it matters for Milo customers

Milo offers up to 100% LTV on real estate for crypto-backed mortgages (no cash down required) because crypto collateral covers the borrower's skin in the game. Self-custody mortgages run lower LTV (typically 40-60%) by design.

---