Loan-to-value and loan-to-cost, side by side
Two ratios lenders lean on: LTV against the property's value, and LTC against your all-in project cost. See both, the equity you'd contribute, and the max loan at a target LTV.
Your LTV and LTC appear here.
Enter a value and loan amount, then calculate.
LTV vs. LTC — why both matter
LTV (loan ÷ value) tells a lender how much cushion exists against the property's worth. LTC (loan ÷ total cost) tells you how much of the all-in cost — purchase plus rehab plus closing — the loan covers, and therefore how much cash you bring. On a value-add deal the two can diverge sharply, which is exactly when it pays to look at both.
Reuse across your other tools
These ratios sit underneath the DSCR, bridge, and fix-and-flip tools too.
Which value should I use?
Use whatever basis your lender uses — as-is value for a stabilized purchase, or after-repair value for a renovation. The tool just divides; the basis is your choice.
Is this an approval?
No. It's arithmetic on your inputs. Maximum ratios and value definitions are set by each lender.