The only downside is you have to pledge 250% of the loan value, but even with this constraint I can't think of a reason you wouldn't use this product. If you believed bitcoin was going to go up in value, you were cash poor, had some coins and wanted a house this seems crazy to not use. Someone please tell me where this goes horribly wrong. If btc goes to zero you still get the house as long as you can pay the mortgage and you don't have to pay cap gains tax on the coins until you liquidate the collateral to pay off the house or you pay the mortgage off and you get your coins back. The only real risk is that the custodian is coinbase and those assholes suck. If River/Strike offered something like this I would do it 100%.