Tools · Calculator
LTV / LTC
Loan-to-Value compares the loan to the asset's market value. Loan-to-Cost compares it to the total cost to deliver. Lenders cap both.
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Inputs
Mode
Result
Loan-to-Value (LTV)
60.0%
Comfortable
Comfortably inside the senior box. Most balance-sheet lenders will engage and pricing should be competitive.
Comfortable
≤ 60%
Tight
60 – 70%
Over senior ceiling
> 70%
Typical senior real-estate ceilings sit around 60% – 65% LTV on stabilised assets and 60% – 70% LTC on development. Above that you are looking at stretch senior, mezzanine, or preferred equity to fill the gap. Read against DSCR and debt yield, not on its own.