This article answers common questions about the core differences between our Self-Repaying Mortgage (SRM) and the Bitcoin Mortgage (BMR). Reviewing this comparison will help you determine whether your priority is zero-credit-check privacy with full collateral preservation (SRM) or building a secondary equity engine with a lower initial contribution (BMR).
Table of Contents
Self-Repaying Mortgage (SRM)
The SRM is designed for borrowers who view their Bitcoin, Gold, or Silver as their credit score. It is the ultimate product for "Sound Money" advocates.
- Best For: Borrowers with 1:1 (100%) collateral or more.
- Qualifications: No credit checks, no income verification, and no DTI (Debt-to-Income) ratios required.
- Key Advantage: You retain 100% of your asset's upside. After the final payment, you withdraw your pristine collateral back into self-custody.
- Liquidation Risk: Zero. There are no margin calls, regardless of market volatility.
Bitcoin Mortgage (BMR)
The BMR is a patent-pending process designed to turn traditional mortgage hurdles into Bitcoin-powered equity.
- Best For: Borrowers with at least 20% Bitcoin contribution who want to build wealth.
- Qualifications: Standard credit and DTI checks are required. However, high credit scores are rewarded with BMR rates as low as $10/month per $100K borrowed.
- The Equity Engine: Instead of paying Private Mortgage Insurance (PMI)—a sunk cost—your BMR payments buy Bitcoin.
- The 30% Waiver: If you contribute 30% or more of the appraised value at the start, your monthly BMR payment is waived entirely.
Comparison at a Glance
| Feature | Self-Repaying (SRM) | Bitcoin Mortgage (BMR) |
|---|---|---|
| Min. Contribution | 100% (BTC, Gold, or Silver) | 20% (Bitcoin) |
| Credit Check | ✔️ Not Required | ❌ Required |
| Upside Retention | 100% to Borrower | Split based on Loyalty Tier |
| PMI/BMR Payment | None | Yes (Buys BTC for you) |
| Goal | Collateral preservation | Accelerated debt payoff |