Think a 30-Year Crypto-Backed Mortgage Doesn't Exist? Think Again!

"You've built wealth in crypto. Now it's time to put it to work in the real world — without selling a single coin."

What if you could leverage your Bitcoin or cryptocurrency portfolio to purchase real estate — primary residence, investment property, or luxury addition to your portfolio — without liquidating a single asset? That's no longer a hypothetical. It's happening right now, and Jennifer Williams is bringing it straight to you on LUXE Life.

In this landmark episode, Jennifer welcomes two powerhouse guests: Federico Torres of Milo Credit — the company behind the world's first 30-year crypto-backed mortgage — and returning fan favorite Dave Rebro, #1 best-selling author and founder of DRCS Solutions.

Federico pulls back the curtain on Milo Credit's revolutionary product: a full 30-year mortgage backed by your crypto wealth, with an application process that takes just 10 minutes. No selling your holdings. No losing your position in the market. Just smart, strategic leverage that bridges the digital asset world with U.S. residential real estate — and opens doors for buyers that traditional lending simply cannot serve.

Dave Rebro returns to bring his signature clarity to the conversation, helping connect the dots between cutting-edge financial technology and the day-to-day realities of buyers, sellers, and agents navigating this new landscape.

This is the kind of episode that makes you pause, rewind, and take notes. The intersection of crypto wealth and real estate has officially arrived — and you heard it here first.

Transcript

SPEAKER_01 0:02

Hello, everyone. This is Jennifer Williams with Lux Life, my podcast that's coming to you. And we have two fantastic guests. One returning guest, Dave Rebro, as you may recall from our last podcast interview. And our special guest today, we are so happy to have Frederico Torres from Milo Credits on. And he's going to go over with us exactly what Milo is and how it can affect your real estate transactions in your market. So, Frederico.

SPEAKER_03 0:37

Thank you for having me, Jennifer. Uh, it's it's an honor to be here. Nice to meet you as well, Dave. So a little bit of a background on Milo. Milo is a Miami-based fintech that's been in operation for about three years now. And Milo is a direct lender. We're a licensed lender here in the US. But we've been able to develop technology and manage ourselves as a fintech and specialize in issuing 30-year standard mortgage loans for foreign consumers looking to buy property in the US. And that's that's that's that's how Milo started. Milo started was started by a founder who was an advisor and Morgan Stanley and Goldman Sachs. And he had these international clients that even if they had a one, two, three, five million dollar investment account here in the US, it was still a very hard and very complex process for these clients to to receive mortgages in the US. And that money ended up coming out of the the account, and the financial advisor would be her or whatever. So that's that's what brought up the idea of Milo. So we wanted to learn the loan system and the mortgage industry very well in the US. And just this past week at the North American Bitcoins conference, we we had the incredible, incredible honor of presenting to the world the world's first crypto mortgage here in the US.

SPEAKER_01 1:54

Oh my god, that's I I have so many questions. I know Dave has we have uh just so so many questions. One thing I do want to make clear is that I am a licensed real estate agent, and you know, Dave is a is is definitely into tech. Neither one of us are financial advisors. Frederico, that's your your forte. Um so any questions that we have, please, as our audience do not take them as financial advice and contact Frederico.

SPEAKER_03 2:27

That's what started the idea of Milo, but now we work with real estate agents, we work with real estate brokers, we work with developers, we work with immigration lawyers, we work with tax consultancy firms. So we work on a really well B2B2C model where Milo partners with some kind of financial or real estate firm that has access to these clients, where Milo becomes the preferred lender. And that's that's more or less the model that that that I manage in the business development team. The the financial advisors was, sorry for the confusion, it was a kind of prologue to the idea of Milo and the idea of financial inclusivity to clients that don't have access to traditional financing here in the US. And that way of thinking is exactly what we use to apply to the crypto community, where these these consumers, these investors have probably millions, tens of millions of dollars in crypto, but don't qualify for a standard US mortgage. You know, they are a US citizen, even if they have a W 2. Maybe what they qualify with with a mortgage lender, a a traditional bank, isn't reflective of their crypto wealth. And that's that's what we're trying to unlock at Milo.

SPEAKER_01 3:34

Unbelievable. Dave, I know you have questions.

SPEAKER_04 3:37

Oh, yeah, absolutely. And that's a great point, Federico. As Bitcoin and crypto has really become more popular, we'll just say it like that. A lot of that wealth is being stored in cryptos. And as you mentioned, uh, in traditional banking, that's not considered wealth, right? And there was a gap out there of how can I use my crypto wealth to go ahead and purchase, you know, physical assets like real estate. Traditionally in the crypto world, there are loans that you can receive, right? So you can have loans based on your cryptocurrencies, Bitcoin, Ethereum, etc. But one thing that was missing is getting a longer duration loan, right? And specifically for mortgages. So that hasn't been out there. So if I am a crypto holder, right? And let's say I have maybe uh I'm looking for to purchase some property, maybe $500,000, and I've got crypto. What do I do? What's the process? Can you walk us through how Milo kind of walks us through or sets up that process for us to go ahead and purchase utilizing our crypto?

SPEAKER_03 4:45

Correct. And and just like you said, Dave, we we've been able to structure a standard 30-year US mortgage validating someone's crypto as as a viable asset to lend against. So let's say you want, like you said, a $500,000 home. You would need to transfer me $500,000 in Bitcoin. At the moment, when we launch, we're only accepting Bitcoin for the moment for popularity, stability reasons, whatever you want. The idea is, of course, to open it up. So you would transfer me that half a million dollars in in Bitcoin, which would go into a third-party safe custodian, which is insured, secured, and it would stay in that custodian for the remainder of the loan. So the loan finishes, either you sell the house, you pay off the loan, at the end of the 30 years, that crypto that you deposited with us goes back to you, and not in dollar amount, in crypto amount. So you give me five Bitcoins, I'd give you back those five bitcoins, and whatever that bitcoin appreciated, that's yours to keep.

SPEAKER_01 5:42

Unbelievable. So really, you're taking something and your initial investment of again, if you're it's you know, example of five Bitcoin in 30 years.

SPEAKER_00 5:54

Can you imagine the rate of return?

SPEAKER_03 5:57

No, of course. So so this is a product for, like I mentioned before, one is people that don't qualify for a traditional mortgage, but two, and and I think is is the stronger selling point of the of this product, is a product for consumers that don't want to lose their crypto positions. This is a very, very valuable asset to me and and and and a big part of this community. And selling the crypto, besides creating a big taxable event, you're losing out on on your position and and what these people believe in, which is really strong.

SPEAKER_01 6:30

So it's you then you get a mortgage. So say Dave is the buyer. I'm the real estate agent, and I have a listing, Dave's the buyer. How does a seller get paid? Because you're doing the mortgage.

SPEAKER_03 6:47

Correct.

SPEAKER_01 6:49

How are we doing that?

SPEAKER_03 6:50

So the seller's getting paid just like any other mortgage loan. Since I'm I'm a licensed lender, and and the most complex part of this of this product was structuring it in a way that it that it functioned like any other mortgage. The seller gets paid in US dollars.

SPEAKER_01 7:05

That was my yep. Okay, okay, because I do I see there are people who do will accept crypto, they will accept Bitcoin, so on and so forth. So so you're so you will convert it into US dollars and then the seller gets paid in US dollars.

SPEAKER_03 7:19

But I'm not I'm not converting that crypto. I'm using my own funds because I'm a direct lender to pay the seller, just like any other mortgage, and I'm just creeping and I'm just keeping the crypto in the custodian as collateral for the loan.

SPEAKER_00 7:32

Sure.

SPEAKER_03 7:35

So then a very a very common question that comes up at this point is what happens with the fluctuations of yes, absolutely.

SPEAKER_04 7:42

That would be the that's the real big thing because you as you know, Frederico, we just recently had a what a 50% drop. And that's not uncommon in cryptos, especially Bitcoin, right? So over the last uh 10, 11 years of big Bitcoin, it's dropped 40% or more, what maybe 10, 11 times somewhere in there. So there's a great fluctuation. And if you're gonna have a loan that's 30 years, you have to play off of that. So, yeah, explain to us how do we counteract that?

SPEAKER_03 8:11

Yeah, so so the way that we've structured it, I can withstand an up to 70% drop in the value of your crypto. And of course, throughout that whole process, we'll be in communication with you because at any point you can deposit more crypto to avoid reaching that margin call at 70%. But how the loan works on a yearly basis, once a year, we'll go in and we'll check the value of your crypto in relation to how it was the year prior, and we'll adjust the interest rate based on that. And that interest rate will lock for a year. So let's say your your crypto's worth X, 365 days later, we'll go in, we'll check again. Let's say crypto drop 10, 15, 20. We'll either adjust your interest rate for that following year, or you can deposit more crypto to keep the rate the same. Let's say it's the opposite. Let's say at that one year point your crypto went up 20, 25. You could either start that next year with a lower interest rate, or you can withdraw whatever that crypto appreciated.

SPEAKER_01 9:08

So, like you're taking your equity out then of the so the lent. So are you you're holding, then you would hold title to the house and then title to the Bitcoin as leverage of Bitcoin as well?

SPEAKER_03 9:23

Correct. I have I have a first lien on the property and have a lien on the crypto as well.

SPEAKER_01 9:27

Okay, yeah, because you're the primary lender. Okay, title company. How are we closing this?

SPEAKER_03 9:34

I have my title partners that it's closing just like any of the mortgage with with the closing disclosures. You have to fill out a a 1003 when you s when you apply with us. It all it all works the same, except the financials are based on crypto and not and not your income, not your credit score, not your bank holdings. That's that's that's the the problem that I've been able to solve.

SPEAKER_01 9:54

I saw that that I when I was doing my research again, you know, Dave brought it to my attention. Thank you very much for for doing that, Dave, because I I always want something that's new and cutting edge and and what especially in the luxury and wealth market. So we're looking at uh consumers with unique wealth. And wow, again, I have so many more questions, but I can tell Dave's got a few too. So go ahead, Dave.

SPEAKER_04 10:20

Yeah, absolutely. I want to come back to the taxes, just so everybody understands. Traditionally, when you were to transfer, let's say you have your digital wallet for cryptos and you would make a purchase or your transfer out to somewhere else, these are taxable transactions. If you know the price of Bitcoin is higher, so basically capital capital gains. At what point am I in jeopardy of paying taxes with this process? So people understand that.

SPEAKER_03 10:51

So because you're being transferred to to a custodian, a holding account, sort of an escrow, there's no taxable event with that with that Bitcoin transfer with us. The only there there is, of course, a standard property taxes that you would pay like any other loan. But but the main the main point to note is that that crypto transfer is not a taxable event.

SPEAKER_01 11:12

Because you did, you just transferred it. You didn't actually you didn't liquidate it, if you will.

unknown 11:17

Yeah.

SPEAKER_04 11:18

Exactly. But of course, you said liquidation. Of course, if there's a big drawdown in crypto and I don't have the funds to, you know, put enough crypto back in or Bitcoin back in to bring that back up, yeah. I would assume you're gonna start to take away from that as a liquidation, and that would be taxable, right? If the price is if you reach that point, or which we don't we don't want to reach that point.

SPEAKER_03 11:42

Nobody wants that. Well, of course. Yeah, yeah. That that that would be how how that moves forward.

SPEAKER_01 11:48

So we're, I mean, this is this is opening up the US market. I know that we continue to open up the US market to to global buyers. You know, again, I'm I'm a real estate agent with Colebaker Global Luxury, and you know, I have London calling. I have you know connections from all around the world. This is groundbreaking. And because you also say that, you know, according to my again, according according to my research, so please correct me if I'm wrong at any point because I don't want to misquote and I don't want to misrepresent your product. You can close in under 30 days.

SPEAKER_03 12:24

Yes, so so our closing our closing times are between four and six weeks, is what we've been seeing. Wow.

SPEAKER_01 12:31

What about appraisals? What about I mean again? I have so many questions.

SPEAKER_03 12:35

The the longest part of that process is is the appraisal process. Because I'm sure you're aware we we order the appraisals just like any other lender, and there's not enough appraisers at the moment. Market's hot.

SPEAKER_01 12:48

The market's hot, yes, everywhere.

SPEAKER_03 12:50

And luxury is appraisals right now are taking about a week, maybe 10 days, and that's the longest part. But it's four weeks if the the the buyer has the necessary documentation at hand, but it's not going to be much because I'm not asking for for proof of income, for for credit scores, for bank statements, that really simplifies the whole process. That really does. The main bulk of the information is is identity verification, and then of course, all all the property certifications and insurances, but in terms of with these crypto loans, in terms of income and and financial being able to qualify you financially, it's just based on your crypto holdings.

SPEAKER_01 13:33

So I also noticed that you know your origination costs and your interest rates. Let's talk about you know, because I think a lot of a lot of our listeners will be curious about the comparison between your conventional mortgage and because maybe we do have some listeners that are that hold both and could could do a conventional mortgage, because I don't want to run down the that this is only for someone who you know a unique situation. Anybody can do this, correct? And your your origination costs and your interest rates.

SPEAKER_03 14:11

So if we talk about the crypto mortgages, our interest rates would be between six and eight percent annual to start. Okay, but you have to take into account one, the the opportunity cost of not liquidating your crypto that goes into the higher interest rate, and then it's very safe to note that because I lend on a one-to-one basis, I can cover a hundred percent of the transaction. There's no down payment on these loans, on these crypto loans.

SPEAKER_01 14:38

Wow. Again, I'm speechless. There's no excuse, there's no down payment.

SPEAKER_03 14:45

There's no down payment necessary because I'm I'm double collateralized in a sense. Uh I don't have to require a down payment on these loans. Hence a bit of a higher interest rate.

SPEAKER_01 14:56

But with the higher interest rate, though, because you're you don't have to liquidate because conventional let's let's speak in conventional terms here, because again, this is so groundbreaking I could see this really running away. I mean, I could really see this really, really gaining ground and going somewhere. And and trust me, towards the end, we are going to make sure that uh your all of your contact information is out there too. So you you know, typically in today's market, unless you have a seller that's willing to accept any kind of cryptocurrency as payment to purchase, if you have the again, let's use Dave as a buyer, and he comes and he says, Hey, I want to buy this listing, we go ahead and sell the listing. But if the if the if the property, the owner of the property, the seller does not accept crypto, he has to convert his crypto into US dollars, takes it, take a tax hit there and depreciation because now he just sold his crypto.

SPEAKER_03 15:59

Correct.

SPEAKER_01 16:00

So it makes sense that you have a higher interest rate. I just cut all that out.

SPEAKER_03 16:05

Yeah, of course. And and and you take into account whatever that crypto might appreciate in the next 10-15 years, exactly. It's perfectly offset.

SPEAKER_04 16:14

Yeah, Jennifer, keep in mind, I want to point this out for crypto holders, on average, for the last 10 years or so, it's been about a hundred percent return on on your Bitcoin. So if you're owning Bitcoin, other cryptos a little bit higher or lower, depending on what you have. But think about the appreciation over the years. Yes, you're gonna have down years, and we've had down years with returns, but 100% or more uh on average. So up to this point.

SPEAKER_01 16:43

I mean, it may it's a no-brainer.

SPEAKER_03 16:46

Yeah, like like we we we said at the at the conference, this is the product by holders for holders of crypto. This is for people that want to keep it in the long run and and really believe in in what Bitcoin can offer. And I say Bitcoin because that's what we're launching with. The idea is to open it up to other cryptos and the ability to combine part conventional, part crypto, but for the moment, to keep it simple is only Bitcoin and one-to-one. So I need the same value of the property in in Bitcoin.

SPEAKER_04 17:17

Yeah, this is really groundbreaking. I mean, the space has been really looking for this as far as crypto holders, our hands were tied on you know, going out, stepping out of the digital world and going into the physical world and buying real estate. It's been dirt very difficult. And there's as you mentioned, there's a lot of tax implications, there's other things that we have to deal with, but this really simplifies the process. Now, speaking of simple, so if I were to want to go and apply for a loan, so guide me, where where do I go and how does it work?

SPEAKER_03 17:48

So, so at the moment, we're we're not live with the crypto loans. So we're we're doing a soft launch in the next couple of months. We're about to finish our first crypto loan in the next couple of weeks. We just had the big announcement to build the excitement to get the word out there. But the idea would work just like our our our conventional loans work at the moment. You would go to myloccred.com, go to the crypto loan tab, fill out several questions, either you want to do a pre-approval or a new application. And those questions function as a 1003. 103 goes through, we'll give you in a matter of minutes, so 10, 15, 20 minutes, however long the application can take, we'll give you an initial proposal, and then we'll go from there. But but the the part of the the fin the other fintech part of Milo is that the process can be 100% digital if you want for the mortgage. And this works for a US consumer and an international consumer, which is what that big strength came in. That's someone from Brazil, someone from Spain, someone from China can apply from their home country and close digitally on a standard 30-year mortgage in the US.

SPEAKER_01 18:53

Without having to fly here, without having unless they want to see the property in there, they don't want to, which good portion of the time we're doing it, we're doing these by FaceTime and Zoom anyway.

SPEAKER_03 19:05

I lost I lost a few personal properties by from outside consumers without having to come to Miami to see to see the apartment. So yeah, yeah, I know I know the situation.

SPEAKER_01 19:16

It it is. I mean, it's it's definitely so we have hear a lot in the news that crypto's face, crypto's going away, US, so on and so forth. There's no way. I mean, you've just taken the globe and in as far as the lending standpoint and streamlined it even beyond what we have had conventionally for how many years?

SPEAKER_02 19:45

All in one one act.

SPEAKER_03 19:49

Yeah, it's it's it's big to give you a bit of context. I go back to the conference because that's what I have as a reference. It's been a week and one day since we announced this to the world. And we we we entered the conference with a a sign up for a waiting list for the crypto loans. And in two days, we racked up almost, I think, 5,500 consumers that wanted to sign up for for the crypto loans. So it's it's a lot, it's a lot of traction that that this take because this is like you say, this is something that people have have been wanting, and and it's something very useful to the current crypto community.

SPEAKER_01 20:24

It's so useful because I don't have to convert a euro into the US dollar. I don't have to, I don't have to, I there's no there's no conversion as long as I own crypto or purchase crypto and then in the appreciation, Dave, to your point. I mean, in the last 10 years, it's appreciated 100%. I again I unbelievable. I think it's fabulous I would definitely want to make sure that we we connect, we all connect after after this because it's it's something that I think is a great it's a great piece, a tool, a great tool for the tool belt, if you will.

SPEAKER_03 21:06

Correct. Right, it's good. It's good for for people to have it out there.

SPEAKER_04 21:10

Yeah, I was gonna say, Jennifer, you made a great point. It really streamlines the whole process. Federico, you said that before. That's the beauty of blockchain and crypto environment. You can really simplify a lot of the process and a lot of the transactional things that happen in typical finance, and this is a great example of you know this coming into play. We're gonna be seeing more and more of this in different aspects of finances, but this is fan, this is exciting. I mean, Jennifer, this is this is kind of game changing.

SPEAKER_01 21:40

This is this is exciting and game changing. I completely agree. I mean, Dave, I mean, thank you again so much. For I thought I had a lot of questions after our last conversation, and now I have I'm I have even more. Which is good.

SPEAKER_03 21:55

We're very excited, we're very excited too. We we we were very excited, but we had No idea the amount of hype and excitement that this would generate with the community. And we're incredibly happy to keep this going.

SPEAKER_01 22:10

That would be, and then, you know, because then I'm looking at, okay, so it's something that even as a real estate agent, because we work with different lens, so many different lenders. Yeah. Of course, we have some that we we work with, have worked with more long term than others. But this is something that again, I can add to my tool belt when I'm sitting with when I'm sending with the seller and going over a listing, or I'm sitting with a buyer and going over something. Because sometimes on the seller end, I'll pick, you know, we'll look at what a mortgage is going to look like, what you can expect. Again, luxury is definitely has its nuances and it does have some differences to it. We need some flyers. We need something to pitch this.

SPEAKER_03 22:54

Yeah, of course. And and to give you a little bit of of numbers of what I work with, we start with with a minimum loan amount of $150,000, and I can go up to $10, $12, $13 million properties. This is only for now. It'll be residential in the US, but I can do multifamilies up to eight doors, which is great for investors. So that's that's to give you a little bit of a context of what we're working with here.

SPEAKER_01 23:18

So are you doing can we have first home, second home, third home, fourth home kind of a thing? Or are we only making primary residents?

SPEAKER_03 23:27

No, I work even better with second homes and investment properties. Wow. I'm scared to overwhelm you too much, Jennifer.

SPEAKER_01 23:42

I love it. I'm so excited. I love it. I think it's again, it's gonna take it's going to take that that luxury market, the global market, and expand it so much. And it's going to enable people to expand their wealth as well. To to really, I mean, it's good for you too. You're making money. That's what you're supposed to do. That's that's what we're all here for. Unbelievable. How Dave, do you have any more questions that while I'm noodling on all this?

SPEAKER_04 24:13

No, this is fantastic, Federico. It's it's awesome that this opportunity is available to crypto and digital asset investors. Any uh any inkling down the road, uh get involved with NFTs, or is that just too complex at this time? Just curious about that.

SPEAKER_03 24:31

And is it part of the questions that that we got when we launched is if we're gonna launch our own coin, if we're gonna tokenize these loans, if we're gonna implement smart contracts. But for now, we're gonna keep it simple. Yeah, we do we do standard loans, we're able to consider your crypto assets as a viable asset to lend against, and we'll keep it at that. Then of course, the there's there is possibilities to make my own wallet, to be my own custodian, to to issue my my own coin. That is in the pipeline. We have thought of it, but for now, we're gonna stick to loans. And I think I think we have enough on our plate with that.

SPEAKER_04 25:04

Yeah, absolutely. No, that's exciting, and the potential's there really to expand. But I understand that this is so groundbreaking. Get this part right. Uh, and the demand's there. Let's service this demand and move forward. So, yeah, actually, that's awesome.

SPEAKER_01 25:18

Clearly, the demand is there. I mean, then of course I'm gonna go into the, you know, okay, so we're looking at the lending standpoint, you know, okay, we can get a we can now go for a mortgage on that. Now we need to get it out to the real estate community, which you're doing that now. Uh the only thing I could see next, even is partnering up in some fashion with a large real estate brokerage firm.

SPEAKER_03 25:44

Correct. Correct. Uh I'd love the opportunity. If if there's real estate brokers listening, if there's mortgage brokers listening, I know there's one hosting, but anyone that's interested, either servicing international clients or servicing the crypto community, we we we here at Milo would love to partner, would love to hear about your situation, and and more than anything, we're here to help. And we're here to provide a service to an underserviced clientele.

SPEAKER_01 26:11

Definitely an underserviced clientele. And I'm gonna make sure. So let's Dave, do you have any more questions? I do want to, as this evolves, make sure that that we all we all regroup and and see how this is going and keep getting the word out because again, this is something that is affecting and so groundbreaking. You know, you are a hundred percent correct on to an underserved market. They're really, I mean, you're the first I heard of it, and I heard of it from Dave a week ago, probably right about when you when you announced.

SPEAKER_04 26:41

Yeah, I'm gonna tell you, Jennifer, it uh hit the Twitter verse like as soon as it was announced, it was all over. I mean, all the big uh crypto heads out on Twitter. It was tweeted out over and over again. That's where I saw it, and I explored into it and and saw the potential of what this could do for the space. So I was like, wow, it's first as soon as I saw it, I just went, wow, just that opportunity. This is the first of this, and it's exciting because it's gonna open up the door for many things to come, as you were talking about, Frederico. And I don't have any more questions, I'm just excited to watch how this is gonna unfold. I can't wait to see you guys. Yeah, can't wait to see you guys just open the door and make this happen.

SPEAKER_01 27:23

I mean, 5,500 applications, that's unbelievable. And then if we can if it can be expanded into, and again, I want to want to have a conversation after we're done recording about this, how to expand or how how we can all get involved, because I think from a real estate standpoint, obviously that's why we're here. Unbelievable, unbelievable. So, Federico, if you could please give our listeners contact, your phone number, website, who do they get a hold of? What how do they go about this process?

SPEAKER_03 27:54

So, so you can you can everyone can go to our website right now, www.milocredit.com. You can access there, you can see all of our traditional mortgage products for for domestic and international clients, and you can explore the crypto aspect and and what we're coming out with. You can sign up for the waiting list as well. Feel free to join our Discord. We have a Discord server if you guys want to engage in conversation with our team members, ask questions about the product. You can request features, you can you can learn more about Milo, you can explore our career page. There's a lot to do on the crypto side. And then me, you can reach me at my email, which is my first name, Federico at MiloCredit.com. And and feel free to reach out and and we can connect through there.

SPEAKER_01 28:34

And I will make sure that all of the contact information, the link to your website and email is also in the description. So as it goes out to everyone in the universe of Lux Life, that they also have that as well. Unbelievable. I stick around once we close. I want to have a further conversation with you. And unbelievable. I'm so excited. So thank you to both of you for coming on because this has definitely been an one once again an informative podcast. And anybody wants to dive into this, please get a hold of Milo and Milo Credit and take a look. This is Jennifer Williams closing out with Lux Life, Cobalt Banker, Gold Coast, 708 710 9266 at Jennifer Williams Broker on Instagram and Twitter. And uh be sure to stay tuned, whether it's on Spotify, Audible, Amazon Music, Apple Music, or watch us on YouTube. Thanks a lot and have a great day.