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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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