Milo Foreign National & Crypto Mortgages
📍 Available in: US (Foreign Nationals & Global Investors)
★★★★★ 4.5 / 5.0
Milo specializes in two underserved U.S. real estate niches: (1) Foreign National Mortgages allowing non-U.S. citizens living abroad to buy U.S. investment properties in Florida, Texas, and 35+ states with no U.S. SSN and no FICO score; and (2) Crypto Mortgages allowing investors to pledge Bitcoin or Ethereum as collateral to finance up to 100% of a U.S. home purchase without selling their crypto and triggering capital gains taxes.
Key Facts at a Glance
| APR / Rate | 7.25%–8.95% (Foreign National / DSCR) |
| Coverage / Loan Limit | Up to $5,000,000 |
| Credit / Eligibility | No US SSN or FICO Score Required (30% Down or Crypto Pledge) |
| Terms Available | 30-Year Fixed or 5/1, 7/1 ARM |
| Origination Fee | 1.50%–2.50% |
Pros & Cons
✓ Pros
- ✓Enables international investors to buy U.S. dollar rental real estate completely remotely
- ✓Crypto-backed option avoids triggering a 20%+ capital gains tax event on long-term Bitcoin holdings
- ✓Closes in 30 days—half the time of traditional international private banks
✕ Cons
- ✕Interest rates and origination points are higher than domestic W-2 conforming loans
- ✕Crypto-collateralized loans are subject to margin calls if pledged crypto value drops sharply
Key Features
No U.S. Social Security Number (SSN) or U.S. Credit Score Required100% Remote International Digital Closing (No U.S. Embassy Visit Needed)Option to Pledge BTC / ETH / USDC Collateral for 100% FinancingUnderwrites Using Foreign Bank Statements or Rental Cash Flow (DSCR)