Is your project dependent on your ICO results?
As you know already, ICO is not a thing anymore in crypto community.
Most of them resort to IEO for sourcing of funds.
And where are you going to test your smart mortgage platform?
To conduct IEO you need to have from 5 to 10 bitcoins.
I think for startups this is a pretty big budget.
The project needs to finalize the concept and recruit a team to implement plans on the road map.