How to Buy Real Estate with Crypto Without Triggering a Tax Event

In the world of real estate financing, a revolutionary option has emerged for cryptocurrency holders. Milo, a Miami-based fintech company, is transforming how crypto investors buy property—without having to sell their digital assets or incur a taxable event.

What Is Milo?

Milo offers a crypto-backed mortgage that allows buyers to use Bitcoin or Ethereum as collateral. Unlike traditional methods where crypto had to be sold—triggering capital gains taxes—Milo lets clients retain ownership of their digital assets. The crypto is placed in a secure, escrow-like account with Milo as collateral for the loan.

How It Works: Pre-Construction vs. Existing Properties

For pre-construction condos, Milo can even cover your deposit payments, giving investors early access to South Florida’s hottest developments. Interest rates for these loans typically range from 11–14%*.

For existing properties, Milo provides a more traditional 30-year mortgage, with interest rates in the 9–10% range*. This flexibility allows crypto investors to enter the real estate market without liquidating their holdings.
*Disclaimer: Interest rates are subject to change and depend on many variables. Prospective customers should request a custom quote.

The Benefits for Crypto Holders

The biggest advantage? No taxable event. By using crypto as collateral instead of converting it to fiat, Milo clients avoid capital gains taxes and stay invested in their digital portfolios. This structure is especially attractive for international buyers, long-term crypto holders, and investors seeking to diversify into real estate.

Comparing Milo to Traditional Options

Traditionally, purchasing real estate with crypto meant converting it into cash—incurring taxes and missing out on potential future gains. Milo flips the script: your crypto stays intact, is safely held, and can be reclaimed once the loan is paid off. It’s a future-focused financing solution for a new generation of wealth.

Meet the Visionary Behind Milo

At the helm of Milo is Josip Rupena, the company’s founder and CEO. A former J.P. Morgan executive, Rupena set out to bridge the gap between traditional real estate lending and the fast-moving world of digital assets. Under his leadership, Milo launched the first crypto mortgage product of its kind, reshaping what’s possible for crypto-savvy buyers.

Founded in Miami and headquartered in Wynwood at 545 NW 26th Street (545 Wyn)—the same building that houses the MIAX Sapphire options trading floor—Milo has quickly gained traction as a category-defining fintech. To date, it has closed over $65 million worth of crypto mortgage transactions, helping buyers around the world unlock real estate ownership without selling their Bitcoin or Ethereum.

As cryptocurrency becomes increasingly mainstream, Milo remains at the forefront, empowering a new wave of investors to diversify into real estate—securely, tax-efficiently, and without compromise.

Ready to Use Your Crypto to Purchase a Dream Property?

If you’re a crypto holder looking to buy real estate in Miami without selling your digital assets or triggering a taxable event, I can guide you through the entire process. Whether you’re interested in a pre-construction opportunity or a luxury condo that’s move-in ready, I’ll help you explore the best options for leveraging your crypto as collateral.

Contact Lucas Lechuga — Miami real estate expert and founder of MiamiCondoInvestments.com — to learn how to make your crypto work for your real estate goals.

Email: [email protected]

Or browse Miami real estate listings at your own leisure

Let’s unlock your next property using the power of crypto — safely, strategically, and tax-efficiently.