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.
Two modes — calculate LTV or find max loan amount
Want to maximize your leverage?Our advisors find the best LTV options for your deal. No fees to start.
Get Pre-Assessed Free →LTV is one of the three key ratios lenders evaluate alongside DSCR and credit score.
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.
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 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.
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.
Different programs allow different leverage levels.
| Loan Program | Max LTV | Min Down | Property Types |
|---|---|---|---|
| SBA 504 | 90% | 10% | Owner-occupied commercial |
| SBA 7(a) | 85% | 15% | Owner-occupied, mixed-use |
| Agency (Fannie/Freddie) | 80% | 20% | Multifamily 5+ units |
| Conventional | 75% | 25% | All stabilized commercial |
| DSCR Loan | 75% | 25% | Investment properties |
| CMBS | 75% | 25% | Larger deals $3M+ |
| Bridge Loan | 70% | 30% | Value-add, transitional |
| Hard Money | 65% | 35% | Quick close, distressed |
Common questions about LTV and CRE financing.
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