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Exit hard money loans with permanent financing
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Acquire income-producing commercial properties
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Fund fit-outs to attract quality tenants
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What Is a CRE Loan?
Fundamentals of commercial real estate financing
CRE Loan Requirements
Credit, DSCR, LTV, and documentation standards
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Current rate ranges by property type and loan program
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SBA Loans Overview
Government-backed financing with lower down payments
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Long-term fixed-rate financing — 10% down
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Draw funds as needed, pay interest only on what you use
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SBA 504 Rates as Low as 6.5%
Lock in long-term fixed rates for owner-occupied CRE with just 10% down.
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CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
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LTV Calculator

Calculate your Loan-to-Value ratio or find the maximum loan amount for your commercial property. See which programs you qualify for at your LTV.

75%
Typical Max LTV
90%
SBA 504 Max LTV
65%
Investor Min Down
🏠

LTV Calculator

Two modes — calculate LTV or find max loan amount

$
Total mortgage amount requested
$
Appraised value or purchase price (whichever is lower)
$
Appraised value or purchase price
%
75% conventional, 80% agency, 90% SBA 504
Your Loan-to-Value Ratio
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0%50%75%100%
Loan Amount
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Down Payment
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Equity Position
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📋 Available at Your LTV

    Want to maximize your leverage?Our advisors find the best LTV options for your deal. No fees to start.

    Get Pre-Assessed Free →

    Understanding LTV in Commercial Real Estate

    LTV is one of the three key ratios lenders evaluate alongside DSCR and credit score.

    The LTV Formula

    LTV = Loan Amount ÷ Property Value × 100. A 75% LTV on a $1M property means a $750K loan and $250K down payment. Lower LTV = more equity = lower lender risk = better rates and terms.

    Why LTV Matters

    LTV directly determines your interest rate, available programs, and whether the loan is recourse or non-recourse. Crossing key LTV thresholds (65%, 70%, 75%) can significantly change your deal economics.

    LTV vs. LTC vs. CLTV

    LTV uses appraised value. LTC (Loan-to-Cost) uses total project cost including renovations. CLTV (Combined LTV) includes all liens on the property. Construction and value-add deals often use LTC instead of LTV.

    Lowering Your LTV

    You can lower LTV by making a larger down payment, getting a higher appraisal (renovations, comps), or using a secondary financing source like SBA 504's CDC portion. Our advisors help structure deals to hit optimal LTV levels.

    Max LTV by Loan Program

    Different programs allow different leverage levels.

    Loan ProgramMax LTVMin DownProperty Types
    SBA 50490%10%Owner-occupied commercial
    SBA 7(a)85%15%Owner-occupied, mixed-use
    Agency (Fannie/Freddie)80%20%Multifamily 5+ units
    Conventional75%25%All stabilized commercial
    DSCR Loan75%25%Investment properties
    CMBS75%25%Larger deals $3M+
    Bridge Loan70%30%Value-add, transitional
    Hard Money65%35%Quick close, distressed

    Frequently Asked Questions

    Common questions about LTV and CRE financing.

    Know Your LTV. Lock In Better Terms.

    Our advisors structure your deal for the best possible leverage, rate, and terms — no guesswork, no upfront fees.

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    CRE CALCULATORS

    23 Professional-Grade Financial Tools

    Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

    Loan Analysis

    Investment Returns

    Refinance & Costs

    Lease & Valuation

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