Can You REALLY Afford a $400,000 Home in 2025?

Can you really buy a home without selling your crypto? Let's break down exactly how crypto-backed mortgages work — and why they’re one of the most talked-about innovations in both the crypto and mortgage industries.
A crypto mortgage allows you to use your digital assets, like Bitcoin or Ethereum, as collateral for a home loan — meaning you can buy property without converting your crypto to cash or triggering capital gains taxes. You’ll learn how these loans work, what lenders look for, and how crypto volatility can impact your borrowing power. We’ll also compare crypto mortgages vs. traditional mortgages, explaining the pros, cons, and risks you need to know. From margin calls and lender security to closing timelines and credit flexibility, this video gives you the full picture before you dive in. If you’ve ever wondered whether you can use crypto to buy real estate — or if a crypto-backed home loan makes sense for you — this episode breaks it all down in plain English.
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0:00 Intro
0:12 The assumptions
0:38 Numbers breakdown
1:10 Debt ratio calculations
1:45 Monthly debt considerations
2:20 Interest rate considerations
2:49 Downpayment considerations
3:20 Other affordability factors
3:49 Recap
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