LTV Calculator
Estimate loan-to-value and the equity cushion from a requested amount and property value.
What Does the LTV Calculator Do?
The LTV Calculator divides a loan amount by a property value to show loan-to-value, and subtracts the loan from the value to show the equity cushion. Loan-to-value is one of the ratios funding sources look at when a loan is secured by real estate.
LTV Calculator
Illustrative EstimateNo partner account is needed to use this calculator. Add a name only if a banker, CPA or advisor referred you.
Have CMCC Review sends your contact details, any referring partner and this scenario to CMCC so a person can follow up. Please do not enter Social Security numbers, bank logins or other sensitive information.
Illustrative Results
Illustrative estimate only. The Chris Mafera Capital Corp. is a commercial financing advisory and brokerage firm, not a direct lender. This is not a financing offer, approval, or commitment.
Inputs, Results and Assumptions
What You Enter
- Loan amount: the requested or existing loan balance.
- Property value: the value you want to test, such as a purchase price or an estimated value.
What the Results Show
- LTV: loan amount as a percentage of property value.
- Equity cushion: property value minus the loan, never shown below zero.
Assumptions and Limits
- The value you enter is not an appraisal. Funding sources rely on their own appraisal or valuation.
- Maximum LTV depends on the property type, the financing type and the funding source. This page does not state any limit.
- Property value must be greater than zero.
The numbers pre-filled in the fields are sample values so the tool shows a result on first load. They are not CMCC rates, quotes or offers.
LTV Calculator FAQs
What does LTV mean in commercial real estate financing?
Loan-to-value compares the loan with the property's value. A lower LTV means the borrower has more equity in the property. The LTV guide explains how it is used.
Is the property value I enter the value a lender will use?
Not necessarily. Funding sources usually order an appraisal or use their own valuation method, and that value can differ from a purchase price or an owner estimate.
How is LTV different from DSCR?
LTV looks at collateral (loan versus value); DSCR looks at cash flow (income versus payments). Funding sources typically review both, and you can test the second with the DSCR calculator.
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Have CMCC Review carries your inputs and results into the application. CMCC is a commercial finance advisory and brokerage firm, not a direct lender; independent funding providers make their own credit decisions.