Max LTV for Cash-Out Refi
Maximum loan-to-value ratio allowed for a cash-out refinance (industry standard 75%).
Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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View PricingMax LTV for Cash-Out Refi Formula
75% (industry standard)
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Unlock Rental Property CalculatorWhy It Matters
The max LTV determines how much equity you can actually pull out. At 75% LTV on a $400,000 property, the maximum new loan is $300,000. If you owe $240,000, you can access up to $60,000. Some lenders offer 80% LTV for primary residences, but 75% is standard for investment properties.
Detailed Explanation
Most lenders cap cash-out refinances at 75% of the property value. This means you can borrow up to 75% of your property's current appraised value, minus your existing loan balance. The 75% limit protects the lender by maintaining a 25% equity cushion.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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