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LTV Calculator
Calculate your Loan-to-Value ratio and see how your leverage compares to typical lender maximums. Lower LTV means better rates and more financing options.
Calculate Your LTV
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FAQ
LTV Calculator FAQ
Loan-to-Value (LTV) is the ratio of the loan amount to the appraised value or purchase price of a property. For example, a $750,000 loan on a $1,000,000 property is 75% LTV. LTV is one of the most important metrics lenders use to assess risk.
Most conventional commercial lenders cap LTV at 70-75%. Life insurance companies typically max at 60-65% but offer the best rates. SBA 504 loans allow up to 90% LTV. Lower LTV generally means better rates and terms.
LTV has a direct impact on pricing. Lower LTV (more equity) typically earns 25-75 basis points lower rates. Lenders view lower leverage as lower risk and price accordingly.
Yes, but options are limited. SBA 504 loans offer up to 90% LTV for owner-occupied properties. Mezzanine or preferred equity can be layered behind a senior loan to achieve 85-90% of total capitalization, though at higher blended cost.
Find the Right Leverage for Your Deal
LTV is just one piece. CLS CRE will match your deal to the right lender — whether you need low-leverage life company pricing or high-leverage SBA terms.
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