Sovereign Individual Bitcoiners can replicate @saylor’s public market strategy with $STRF & $STRK in their personal lives. Banks wouldn’t give me a loan to buy my wife her dream home, and I didn’t want to sell any Bitcoin. I used ChatGPT to vibe up a plan to maximize my BTC holdings AND upgrade my lifestyle WITHOUT incurring tax drag on my stack. I vibed up a 2 part plan to appeal to a seller who wasn’t interested in Bitcoin’s volatility, yet show them the value of my BTC holdings and why it should bestow credit worthiness upon me. (This was before deep research, it’s much easier now to run these scenarios and get AI to help here.) Here’s what I did to strip away the volatility from Bitcoin for the seller while allowing me to continue to harness Bitcoin’s volatility. Part 1 1) Discovered the concept of Vendor Take-Back Mortgages (Seller Financing.) 2) Got an accreditation attestation from an accountant / Bitcoin multisig co (use a co like @AnchorWatch) to include in the offer package to show them (I did not do “proof of reserves”) 3) Arranged for multiple respected people in my industry and my community to vouch for my character. 4) Offered an attractive interest-only payment plan on as long of a timeline as the seller was willing to accept. (6-8% yield for the seller.) 5) Wrote a compelling proposal explaining my bitcoin thesis and my reasons for arranging an unconventional offer. 6) offered a fair asking price with minimal conditions 7) negotiated as low of a down payment as they were willing to accept, the rest financed by the seller. Part 2 1) Like Saylor says, he built the bridge and then went and walked on it … so I invested in any non-custodial lending platforms I could find as a seed backer. (Lava and DebiFi) 2) I took a loan against my bitcoin in a non-custodial way to pay for the down payment. (I chose DebiFi for the long duration and security of multisig for larger collateral amounts. I’m going to take a Lava loan next to try them out.) The sellers were older, not interested in Bitcoin, but impressed with my offer package and my logic and they were attracted by the yield I was offering them. In the end they accepted, I didn’t sell any bitcoin to close the house. I also didn’t have to pledge my bitcoin as collateral for the house, the house is the collateral for the seller and the BTC is the collateral for the down payment loan. Now I’m standing on the bridge and I have 2 years to execute the rest of the plan. (The current plan is to generate revenue & create value for bitcoin treasury companies and store shares in the tradfi system so I can access traditional credit with a securities loan.) While I don’t get public market NAV multiples like MSTR, I do get to keep growing my BTC value at ~30% a year.

Update on this story is that I initially proposed this offer in January 2024, and the sellers thought I was out to lunch. Over 10 months they saw my thesis come true (Bitcoin was going to go up in value, Canadian real estate was going to go down in value). When I came back with the offer again in late 2024, Bitcoin had risen significantly, doing most of the heavy lifting to show the sellers I was actually a serious credit-worthy investor rather than just a random crazy crypto bro. Bitcoin is the score board. We closed on this starter citadel early 2025 and now I’m selling my old house and buying BTC with the proceeds.