Milo

I am a early BTC investor who was able to retire after putting 100% into BTC. In 2016 BTC doubled and I decided to buy a house with it. We all know now what a huge mistake that was. I should have just rented and watched that BTC gain in value instead of giving up those gains permanently. The object is to not give away your BTC.

Years later I needed more space but I didn't want to make that mistake again. I have no income because I live off my invested BTC so no lender would give me a loan. How to purchase a house without giving away my valuable hard asset?

This is where MILO comes in. This is the ideal way to diversify some of my BTC into real estate in a controllable and tax mitigated way. It gives me more options and control over my assets which lets me choose when in the cycle I can utilize my BTC the most. From my perspective to purchase with MILO in a bear market or especially near a bottom of a cycle makes this a no brianer as it helps me keep any margin risk acceptable and maximizes my potential gains.

I gave over 130 BTC for that house back in 2016. I didn't have much BTC history to go on then but I do now. If you are a BTC'er and have the means to purchase this is the best way to get lending for a home without giving up your hard asset and allowing you to keep your future gains to pay off the home with.

If you have significant wealth held in Bitcoin, but are retired and want to buy your dream house without liquidating your Bitcoin, the traditional fiat banks and mortgage companies are USELESS. Milo, on the other hand, understands Bitcoin as a store of value, and can, and will, quickly issue a mortgage utilizing your Bitcoin as a legitimate proof of the ability to repay the loan.
Not only are they knowledgeable, but they are also willing to work with you to fashion a loan structured to your liking. Another thing traditional lenders are unwilling or incapable of doing.

On May 14th, a home I've been dreaming about for 13 years finally came on the market. My wife and I jumped on the opportunity. I filled out the loan application with Milo Credit right away, got pre-approved quickly, and we were able to beat out two other offers. That day changed everything for us.

As a longtime Bitcoiner, I've always valued privacy and control over my assets. Handing over my keys to a third party wasn't an easy decision. But Collin McMahon and the team at Milo, especially Josip, made the process feel safe and transparent. They understood exactly where I was coming from and gave me full confidence that Milo Credit is in this business for the right reasons.

Collin was incredible from start to finish. His professionalism, support, and responsiveness were on point every step of the way. I had several conversations with him and a scheduled call with Josip, and I always felt like I was being heard and respected... not just as a customer, but as a Bitcoiner.

Thanks to their help, my wife and I now own the home we've dreamed of for over a decade. I'm so grateful for the service they provided. Milo Credit has truly made a lasting impact on our lives.

I recently used Milo.io's crypto-backed loan to purchase real estate, and I couldn't be happier with the experience. From start to finish, the process was smooth, fast, and completely met my expectations. Here's a breakdown of my experience and why I highly recommend Milo.io: Fast and Efficient Process
The speed of the Milo.io process truly amazed me. After completing my application, I received the funding for my property in under 24 hours, which is almost unheard of in traditional real estate financing. This quick turnaround was crucial for me – real estate moves fast, and Milo.io delivered right when I needed it. Compared to the weeks (or even months) it can take to close a conventional mortgage, Milo's efficiency was a game-changer. It felt like they understand the urgency of opportunities and make things happen immediately. Professional and Supportive Team
Throughout the process, the Milo.io team was always available and incredibly professional. Whenever I had a question or needed clarification, someone was there to help – I never felt alone in the process. The team's expertise and responsiveness turned what could have been a complicated transaction into a straightforward and stress-free experience. I've dealt with banks and lenders before, but Milo's customer service stands out. They were friendly, knowledgeable, and proactive in addressing my needs. This high level of support gave me a lot of confidence as a first-time crypto-backed borrower. I haven't used other crypto lenders before, but Milo.io has set a very high bar with their service and support. Ideal for Leveraging Crypto Assets
One of the biggest benefits for me was that I could leverage my cryptocurrency without selling it. Milo.io's crypto loan allowed me to use my Bitcoin as collateral to buy property, so I didn't have to liquidate any of my holdings. This was huge – I was able to invest in real estate while keeping my crypto investment intact (no triggering taxable events or missing out on future appreciation). For anyone who believes in the long-term value of their crypto, this solution is fantastic. It truly lives up to Milo's promise of helping clients achieve goals while keeping their crypto assets. I do want to highlight that Milo's crypto-backed loan is a shorter-term loan product. In my case, it's about a 12-month term, not a 15 or 30-year traditional mortgage. This wasn't an issue for me because I have good cash flow and a plan in place (you can renew or refinance as needed), but it's something to be aware of. If you're considering this loan, make sure you can manage the interest payments and have an exit strategy for the end of the term – whether that's refinancing into a longer mortgage or paying it off. As long as you have that covered, the short term is a very manageable trade-off for all the benefits you get. Highly Recommended for Crypto Holders
Overall, I highly recommend Milo.io to other crypto holders, especially those who want to tap into their crypto wealth for investments like real estate without selling their coins. If you have a decent amount of crypto and stable income/cash flow, Milo's crypto loan can be an ideal way to diversify into property while your crypto continues to work for you. My own experience was overwhelmingly positive: lightning-fast funding, an outstanding support team, and a seamless process from beginning to end. I'm exceedingly pleased with how everything turned out. Milo.io delivered exactly what it promised – a quick, professional crypto-backed loan solution – and because of that, I was able to purchase my property with confidence. Bottom line: Milo.io offers an innovative and reliable service. It was the easiest and best loan experience I've had, and I wouldn't hesitate to use them again or recommend them to others. If you're looking to leverage your crypto assets to buy property (and you can manage a short-term loan), don't think twice about going with Milo.io – it's a great decision.

When I started exploring ways to use crypto assets as collateral for a property purchase, I quickly realized how unfamiliar this concept still is to most in the real estate and lending world. More often than not, I was met with blank stares or polite silence from industry pros. That's why working with Milo felt like such a breath of fresh air. Their ability to navigate this emerging lending model was a real standout. To be fully transparent, the process wasn't without its hiccups — there were a few procedural delays and some communication gaps along the way. But in fairness, those kinds of bumps have been present in every traditional loan I've gone through. Lending is inherently complex, no matter the vehicle. What really surprised me, though, was just how seamless the actual crypto transfer was compared to something like wiring funds from a HELOC. There are usually multiple steps and a fair bit of friction in that process. With crypto, it was refreshingly straightforward; stressful, sure, given the stakes, but logistically smooth. Colin, in particular, was a great partner throughout. He offered useful insights and acted as a valuable sounding board while I weighed different strategies. His involvement played a big role in ultimately getting this deal across the finish line. I wouldn't hesitate to work with Milo and Colin, in particular, again, and I fully expect to explore their crypto loan products for future projects.

I was one of the lucky few who held crypto for almost a decade, had enough to buy a house however real estate agents wouldn't even give my offers to the sellers or treat me seriously. I found Milo and managed to get a crypto backed mortgage with them. A year later, crypto doubled so I sold what Milo was holding and got back the remaining btc. If it werent for them, I would have still been renting. Would 100% recommend to anyone that needs a crypto backed loan

Colin was great to work with, and he is professional and responsive. Milo is VERY MUCH on the right track with their growing list of products and their understanding of BTC and HODLers. Why not five stars? The documentation is more comprehensive than expected, but not as clearly laid out at the beginning as I had hoped. I'm sure they will address this issue and resolve it for everyone in the future, as they are customer-oriented and fair. Remember: coin-based mortgages are new, exciting, and valuable, but mortgage lenders still must abide by all the laws and regulations, state and federal, that all other mortgage lenders must follow.

Everything was clear from the beginning. As I mentioned, they were always helpful and informative, and available via phone or written communication at all times.