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Loan-to-Value Calculator

Screen the financing on a deal: LTV, the debt service your NOI supports at a target coverage, the implied rate, and an expected rate band.

Purchase price

Loan amount sought

Expected NOI (year 1)

Target DSCR

Amortization

yrs

Financing screen

Loan-to-value65.0%

Max debt service at 1.25× DSCR$156,000

Implied max rate at that coverage7.02%

Expected rate band8.05% – 8.55%

How this is calculated

LTV = loan ÷ purchase price. At 1.25× coverage the NOI supports up to NOI ÷ DSCR in annual debt service.

The implied max rate is the interest rate where that debt service fully amortizes the loan over the term. The expected rate band screens from LTV and coverage: it widens above 60% LTV and below 1.25× DSCR. Use it to screen, then confirm with a lender quote.

Run this against any property in your shortlist.

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Estimates for planning. Not tax, legal, or investment advice. Confirm with your CPA, attorney, and qualified intermediary.