LTV / LTC Calculator

Calculate loan-to-value (LTV) and loan-to-cost (LTC) ratios — or determine the maximum loan amount based on your target LTV. Used by private money lenders to size loans and assess risk.

Loan Amount ($)

Property Value / Appraised Value ($)

Purchase Price ($)

Optional — for LTC calculation

Rehab / Construction Cost ($)

Optional — added to purchase for total cost

LTV vs LTC — What's the Difference?

LTV (Loan-to-Value) = Loan Amount / Property Value. Measures how much of the property's current market value is being borrowed. Most private money lenders cap LTV at 65-75%.

LTC (Loan-to-Cost) = Loan Amount / Total Project Cost. Used primarily for fix-and-flip and construction loans where the total investment (purchase + rehab) differs significantly from the current appraised value.

Both ratios are documented in the loan agreement and reflected in the lending parameters. The lower the ratio, the more equity cushion the lender has if the borrower defaults.

Generate Loan Documents at Any LTV

Automate Loan Docs handles every loan structure — from 50% LTV bridge loans to 90% LTC construction deals.

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