Real Estate Investor Program

Your Bitcoin stays yours.
The deal still closes.

Post Bitcoin as collateral, borrow 2-10X against it, and buy the asset. The lender takes a first mortgage, interest only. You keep the upside on both sides of the trade.

Start here

How it works for borrowers

Don't sell your Bitcoin.
Don't beg a bank.

Your stack keeps working while your deal closes. No liquidation, no capital gains event, no six-week underwriting marathon.

01

Keep your Bitcoin

You post it as collateral instead of selling it. Every sat you would have spent stays on your balance sheet.

02

Skip the slow, costly process

No income packages, no stress-test math, no months of conditions. Deal facts, collateral, and a term sheet.

03

Buy the asset with real leverage

2-10X against your collateral, interest only, so the property and the Bitcoin both keep compounding for you.

04

Certainty on the date you need it

Funding you can plan a closing around, with terms that do not move after you have signed.

Certainty and simplicity for both sides — backed by assets that don't lose value when governments print.

Who holds title

Two structures. No joint ownership.

There is no seller take-back here — the funds buy the property outright. You go on title as the owner; we secure the advance with a charge and your bitcoin. When your bank refinances, we get paid out, our charge comes off, theirs goes on, and you own the property with equity and your bitcoin back.

Option 1The default

Registered first mortgage

Funds buy the property outright from the seller and the borrower goes on title as sole owner. Our capital is advanced as a purchase-money first charge registered at closing — we are a secured creditor, not an owner.

  • Borrower alone on title from day one
  • Lender holds first position plus the bitcoin collateral
  • Takeout lender pays us out on refinance, our charge discharges, theirs registers
  • Fastest and cheapest path — banks pay out private firsts every day
Option 2When the lender wants ownership-level certainty

First mortgage + bare trust

Same registered first charge, plus a bare trust or option agreement giving the lender the right to take title on default. Near-owner control without the tax, property liability or land transfer friction of joint ownership.

  • Borrower still the registered owner — no joint title
  • Unregistered right to take title if the deal goes sideways
  • No extra transfer required for the borrower's refinance
  • Used on higher-leverage or longer-term files

Either way the bitcoin sits in the lender's wallet and the property carries the charge. Structure is chosen per deal. Not legal or tax advice.

Model your loan

Live Bitcoin pricing, your leverage, your market. Carry these numbers into your application below.

Loading BTC price…
$100,000
USD
$137,000
CAD
2X
2X10X

Major metro. Deepest liquidity.

Your illustration
Collateral value
$400,000
$548,000
Loan available at 2X
$800,000
$1,096,000
Target after-repair value (1.2X total project cost)
$960,000
$1,315,200
Primary market · Single Family · Interest-only, first mortgage. Illustration only — final terms subject to underwriting. Purchases and sales of Bitcoin and cold wallet setup consulting are assisted by Bitcoin Well (BTCW.V).Visit Bitcoin Well →

Example deals

Four files, four ratios

Illustrations of how the same program prices at 2X, 4X, 7X and 10X. Numbers are examples, not offers.

Two-storey detached house mid-renovation in Edmonton, Alberta

Edmonton, AB

Single family · 10% · 6-month term

2X
Purchase price
$650,000
Improvement costs
$100,000
Total project cost / loan
$750,000
After-repair value
$900,000
Bitcoin collateral posted
$375,000
Interest-only, per month
$6,250
Single family bungalow under renovation in Kelowna, British Columbia

Kelowna, BC

Single family · 12% · 8-month term

4X
Purchase price
$400,000
Improvement costs
$150,000
Total project cost / loan
$550,000
After-repair value
$660,000
Bitcoin collateral posted
$137,500
Interest-only, per month
$5,500
Four-unit walk-up apartment building in Saskatoon, Saskatchewan

Saskatoon, SK

Multifamily — 4 units · 10% · 9-month term

7X
Purchase price
$700,000
Improvement costs
$85,000
Total project cost / loan
$785,000
After-repair value
$960,000
Bitcoin collateral posted
$112,143
Interest-only, per month
$6,542
Twenty-unit commercial apartment block in Calgary, Alberta

Calgary, AB

Commercial — 20 units · 12% · 10-month term

10X
Purchase price
$1,500,000
Improvement costs
$300,000
Total project cost / loan
$1,800,000
After-repair value
$2,300,000
Bitcoin collateral posted
$180,000
Interest-only, per month
$18,000

How it works

01

Bring or buy Bitcoin

Already hold coins? Post them. Don't hold yet? We walk you through purchasing through Bitcoin Well (BTCW.V) into your own wallet first — they assist all Bitcoin purchases, sales and cold wallet setup.

02

Bitcoin goes to the lender wallet

Collateral is held for the term. Your position stays in Bitcoin — no forced sale, no capital gains event on the way in.

03

Borrower gets the multiple

2X to 10X of the collateral value is advanced for the purchase of the asset. The lender registers a first mortgage, interest only.

04

Renovate and re-appraise

You execute the business plan and the property is appraised after repair. Institutional takeout or sale pays the loan.

05

Irreversible payout at close

Funds are redirected directly from the borrower's lawyer to the lender. The lender elects monthly interest or balloon interest at close.

Apply for a loan

Contact
Borrower history
The deal

Total project cost

—

Purchase + renovation + other

Minimum ARV — (total project cost + 20%)

2X
Purchase price comparables

Paste up to three links supporting the purchase price.

ARV comparables

Paste up to three links supporting the after-repair value.

Property photos

Upload photos of the property — exterior, interior, and anything mid-renovation.

Anything else