Own real estate while maintaining crypto custody

Introducing the self-custody mortgage. Keep full control of your crypto with no margin calls.

Hold your keys, own your home

Qualify for a mortgage without moving your crypto. With a self-custody mortgage, your Bitcoin or Ethereum stays in your wallet while being counted as reserves.

Qualify with your wallet

Keep control of your crypto

Your Bitcoin or Ethereum stays in self-custody. No transfers are required to qualify.

No margin calls

Your crypto is never at risk of liquidation, even if the market fluctuates.

Qualify on your terms

Use your crypto as reserves, giving you more purchasing power than fiat alone.

Lower monthly payments

Interest-only payment options, reducing monthly expenses.

Self-custody mortgage terms

Recognized reserves

Fiat, Bitcoin & Ethereum

Interest rate

7-8%

Custody

Self-custody

Loan term

30-year fixed, interest only

Loan amount

Starting at $200,000

LTV

Up to 75%

Self-custody mortgage terms

Choose how to qualify with Milo

Whether you're leveraging rental income or crypto holdings, Milo offers two powerful ways to finance your investment property.

Want to use your crypto as collateral? Start with a crypto mortgage.

Self-custody mortgage

Crypto-backed mortgage

Best for

Maintaining full control of your crypto

Increasing your purchasing power

Crypto required

Not required, optional

Yes, pledge 1x property value

Crypto usage

Included with assets to qualify

Used as collateral

Crypto custody

Self-custody

Held with 3rd party custodian - Coinbase & BitGo

Loan-to-value (LTV)

Up to 75%

Up to 100%, no down payment

Calculate your mortgage terms

Run the numbers on your next property. Estimate payments, loan size, and more with our mortgage calculator.

Looking to refinance or cash out? Explore rates & terms.

See programs available in your state

FL

State


Crypto mortgage

Yes

Investment mortgage

Yes

Crypto loan

Yes

  • If your state is not supported, check back soon or contact us

Frequently asked
questions





Your path to home ownership starts here

Finance your property using your crypto reserves. Explore options with no impact to your credit.

1-888-433-6456 (MILO)

545 NW 26th Street, Suite 200
Miami, FL 33127

FacebookTwitterInstagramLinkedInDiscord

Copyright 2025. All rights reserved.

License
Privacy policy

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

EQUAL CREDIT OPPORTUNITY ACT NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers Milo Credit’s compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.