Use our LTV Calculator to estimate your loan-to-value ratio. Evaluate refinance scenarios, cash-out options, and down payments instantly with REIF Loans.
Your Loan-to-Value (LTV) ratio plays a crucial role in determining how much you can borrow and what rates you’ll qualify for. The REIF Loans LTV Calculator helps you instantly estimate your property’s equity position, refinance options, or required down payment.
Whether you’re purchasing, refinancing, or doing a cash-out transaction, this tool provides quick, accurate results that help you plan smarter.
LTV is the ratio between your loan amount and the appraised value of your property. Lenders use it to assess lending risk, determine required down payments, and set interest rates.
Formula:
LTV = (Loan Amount / Property Value) Ă— 100
Example:
If your property is worth $400,000 and your loan is $300,000, the LTV is 75%. That means you have 25% equity in your property.
Estimate your Loan-to-Value ratio to understand your equity, refinance potential, or required down payment.
Our LTV Calculator lets you input your property value, loan balance, and optional cash-out amount to determine your total financing ratio. It helps you evaluate both purchase and refinance scenarios quickly.
Your LTV ratio directly impacts your financing terms, eligibility, and potential returns on investment. Lenders use it to evaluate both purchase loans and refinance applications.
By keeping your LTV below key thresholds (70%, 75%, 80%), you can improve loan terms and maximize your leverage efficiently.
Different real estate goals require different LTV strategies.
Calculate how much down payment you need to meet lender requirements.
Evaluate whether your property’s increased value qualifies you for better terms..
Estimate how much equity you can pull out while staying under maximum LTV limits.
If your LTV is higher than ideal, there are several ways to lower it before applying for new financing.
Even small LTV adjustments can significantly improve your loan terms and approval odds.
Most investors aim for 70%–75% LTV for better rates and cash flow.
Yes. Add all loan balances secured by the property before dividing by the total property value.
Yes. These programs often have specific LTV caps tied to risk and income documentation type.
Typically 70%–80%, depending on property type and occupancy.
Recheck LTV annually or when property values change significantly.
Whether you’re planning to buy, refinance, or pull equity from your investment property, our Loan-to-Value Calculator helps you understand your borrowing position instantly.
Get a clearer picture of your leverage, equity, and next steps with guidance from the REIF Loans team.
