If you take out 10% equity they could end up with 22.5%. That's quite a chunk. Sure the Bitcoin likely outpaces what you lose in home equity over that time but if you got a home equity line of credit and could service the payments you wouldn't lose any equity. 


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Even if you don't have a lot of excess cash flow (which is the situation I am in because I only work part time) it almost makes sense just to take the heloc, take 90% of it out right away and buy bitcoin but reserve enough cash to cover the heloc interest payments for a couple years. 
 

grayruby

Yeah for like the last 5 years I was wondering if I should do a HELOC. But never pulled the trigger.  But why do you say this? Is Horizon charging more fees or the fact they take some upside when you sell?