Loan-to-Value Calculator

Use this free Loan-to-Value calculator to make better property management decisions. Enter your values below to get instant results.

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How to Use This Calculator

1 Enter the loan amount
2 Enter the property value (appraised or purchase price)
3 Click Calculate to see LTV percentage
4 Compare to lender maximums (typically 75-80% for investment)
5 Lower LTV may qualify for better rates

Example Calculation

$280,000 loan on a $350,000 property

Inputs:

Loan: $280,000
Property Value: $350,000

Result:

LTV = $280,000 ÷ $350,000 = 80%

Important Considerations

• HELOC combined with first mortgage affects total LTV
• Commercial loans may have different LTV limits by property type
• Some portfolio lenders offer higher LTV for strong borrowers

Frequently Asked Questions

Most investment property lenders cap LTV at 75-80%. Primary residence loans allow up to 97% LTV. Lower LTV = more equity = lower risk for lenders. Expect to put at least 20-25% down for investment properties.

High LTV results in: higher interest rates, PMI requirements (above 80%), or loan denial. During downturns, high LTV can lead to being "underwater" (owing more than value). Conservative LTV provides safety margin.

Yes. Options include: property appreciation increasing value, paying down principal, or making lump-sum payments. Lower LTV can eliminate PMI and qualify you for better rates on future loans.

They're inverse. LTV = 100% - Down Payment %. A 25% down payment = 75% LTV. A 20% down payment = 80% LTV. Higher down payment = lower LTV = lower risk for lenders.