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All Roads Lead to Real Estate

A Maryland podcast hosted by Matt Rhine

Full Interview · September 25, 2025 · Ep. 57

Building Wealth in the Bitcoin Era with Neil Roseman

A Maryland property lender and Bitcoin miner joins Matt Rhine to compare real-estate cash flow with Bitcoin’s supply rules, mining, custody, and risk.

Still from Matt Rhine’s interview with Neil Roseman
Choose the full interview or a clip below.

Block M Investments · Maryland private lending

Neil RosemanOwner & operator, Block M Investments

Inside the Interview

  • A Maryland private lender and miner brings an operator’s perspective to Bitcoin.
  • Why Bitcoin’s supply is capped at 21 million.
  • How miners help secure transactions and prevent double spending.
  • ETFs, exchange accounts, and personal wallets: three ways to hold exposure.
  • Rental income, property upkeep, and Bitcoin’s liquidity, side by side.

Video clip

Neil explains Bitcoin’s finite supply and the distinction he draws between it and currencies that can expand.

Published September 25, 2025. The speakers’ views are educational, not financial advice; returns are not guaranteed and Bitcoin can lose value.

Meet the Guest

Neil Roseman

Neil Roseman is a Maryland entrepreneur, private lender, and owner/operator of Block M Investments. He works with investors on non-owner-occupied homes, multifamily properties, and commercial real estate. He is also involved in Bitcoin mining—the intersection that shapes his conversation with Matt Rhine. In this 2025 interview, Matt describes Neil’s Bitcoin holdings as worth tens of millions of dollars, adding context to his views on mining, custody, and risk.

More about Neil Roseman

A University of Michigan graduate, Neil also owns LeadProbe, a lead-paint inspection business serving Maryland and Washington, DC. He brings that local investor experience to a conversation about mining, custody, and the practical differences between Bitcoin and rental property.

  • 300+ loansMaryland investment-property loans Block M ↗
  • Block MMaryland private lending
  • LeadProbeLead-paint inspections in Maryland and DC

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Interview highlights

Three conversations worth your time.

Choose a highlight to watch it in the full interview player above.

Still from Matt Rhine’s interview with Neil Roseman

What the 21 Million Limit Actually Means

Neil explains Bitcoin’s finite supply and the distinction he draws between it and currencies that can expand.

Still from Matt Rhine’s interview with Neil Roseman

What Mining Is Really Securing

Neil discusses the role of energy, mining and verification in his explanation of the Bitcoin network.

Still from Matt Rhine’s interview with Neil Roseman

Property Income Meets Bitcoin Liquidity

Matt and Neil compare income-producing real estate, liquidity and the trade-offs of borrowing against an asset.

From the interview

Questions and answers.

Use each timestamp to watch the answer in context.

Why is there a 21-million Bitcoin limit?

The protocol caps the total supply at 21 million. Neil explains why that fixed supply is central to his interest in Bitcoin.

Watch from 00:06:14 →

What do Bitcoin miners actually do?

Miners use specialized computers and energy to confirm blocks of transactions and help prevent double spending. Neil explains the work behind securing the network.

Watch from 00:30:27 →

How does Bitcoin compare with rental real estate?

Bitcoin is easier to sell, but it does not generate rent. Rentals can produce income while bringing tenants, maintenance, and management work.

Watch from 01:12:02 →

More questions

How did Neil get into Bitcoin?

He watched the price around 2017 without buying. A podcast in late 2021 or early 2022 prompted him to study it more closely.

Watch from 00:03:48 →
What happens when Bitcoin stays on an exchange?

The exchange holds the keys on your behalf. Neil explains how that adds a third party, while personal custody puts key security in the owner’s hands.

Watch from 00:26:27 →
What’s different about a Bitcoin ETF?

An exchange-traded fund offers exposure to Bitcoin’s price without directly controlling the coins or private keys. Fund fees apply.

Watch from 00:41:14 →
How volatile has Bitcoin been?

Matt raises the possibility of a steep drop, and Neil notes past declines of more than 70%. Neil argues that short-term volatility and long-term risk are different questions.

Watch from 00:48:31 →
What is dollar-cost averaging?

Putting a fixed amount in on a regular schedule rather than trying to time the market. Neil says he began buying weekly in 2022.

Watch from 00:49:47 →
How can families plan for Bitcoin custody?

Matt asks how to protect keys while giving heirs a way to access holdings. Neil discusses multi-signature wallets, custodians, and recovery planning.

Watch from 01:00:51 →

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