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LTV / ARV Calculator
Size a fix-and-flip loan against purchase cost, rehab budget and after-repair value.
Free tool · Fix-and-flip loan sizing · LTV and ARV analysis
Your numbers
Maximum Loan Amount
Binding limit: loan-to-cost
$202,500.00
The lower of the two lender caps sets the maximum loan
- Total project cost$225,000.00
- Cap from loan-to-cost limit$202,500.00
- Cap from loan-to-ARV limit$217,000.00
- Borrower cash needed$22,500.00
- Loan-to-cost
- 90.0%
- Loan-to-ARV
- 65.3%
- Project cost
- $225,000
- Cash needed
- $22,500
Lenders differ on whether rehab draws count toward cost basis and on which cap governs, so confirm the structure with the actual lender. ARV is a projection and can differ from the eventual appraisal or sale price.
Max loan$202,500.00
FAQ’s
Frequently Asked Questions
How fix-and-flip loans are sized
- Loan-to-cost
- The loan against purchase price plus rehab budget. A lender using a 90% cap expects the borrower to fund the remaining 10% of that cost.
- Loan-to-ARV
- The loan against the projected value after repairs. A lender capping at 70% of ARV will not lend more than 70% of the expected finished value.
- The lower limit wins
- The calculator works out both caps and uses the lower one. The gap between total project cost and that loan is the cash the borrower brings.
- Lender structure matters
- Lenders differ on how they treat rehab draws and which cap governs, so treat the result as a sizing estimate, not lender-specific terms.
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