Loan to Value Ratio

Loan amount as a percentage of property value.

Example Result

Sample Data

80.00%

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Loan to Value Ratio Formula

Loan Amount / Property Value x 100

$308,000 / $385,000 x 100

80.00%

What This Means

A sample property priced at $385,000 with $2,850/month rent has a loan to value ratio of 80.00%. LTV determines your leverage level and risk. Higher LTV means less equity and more risk but potentially higher returns. Lenders typically cap LTV at 75-80% for investment properties. As the property appreciates and you pay down the loan, LTV decreases.

Where This Value Comes From

Loan to Value Ratio is not entered directly — it is calculated from Loan Amount and Property Value. See the formula breakdown above and the detailed inputs below.

Calculated From

Loan to Value Ratio is calculated using these inputs:

Loan Amount

The total amount borrowed to finance the property purchase.

Found on your loan estimate

$308,000

Property Value

The current estimated market value of the property.

Found on your county assessor

$385,000

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Why It Matters

LTV determines your leverage level and risk. Higher LTV means less equity and more risk but potentially higher returns. Lenders typically cap LTV at 75-80% for investment properties. As the property appreciates and you pay down the loan, LTV decreases.