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%

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.