How much you can borrow against real estate comes down to loan-to-value (LTV) — the loan amount divided by the property’s value — minus any existing liens. Use the estimator to model your property value and lien position. The maximum LTV on any loan is set per deal; the slider here is illustrative, for exploring how it works.
Illustrative estimate
With no existing debt this is a first-lien scenario; with a balance you want to keep, it’s a second-lien loan against your remaining equity.
Illustrative only — not a quote, offer, or approval. The loan-to-value slider is for exploring how LTV works; the actual maximum on any loan is set per deal by the collateral, the operator, and the exit. Talk to us for real numbers.
Loan-to-value is the single biggest factor in how much you can borrow against a property. A lender lends up to a percentage of the value and keeps the rest as a cushion — the lower the LTV, the safer the loan and, usually, the better the terms. If you own the property free and clear, the full amount is available as a first-lien loan. If you have a mortgage worth keeping, you can often borrow against the remaining equity as a second lien, and the lender looks at combined loan-to-value (CLTV) across both loans.
The slider above lets you explore any LTV so you can see how value and existing debt drive your available proceeds. It isn’t a stated maximum — where a real deal lands depends on the collateral, the operator, and the strength of the exit, and it’s confirmed in a term sheet, not a calculator.
Common questions
Keep reading
Ready for real numbers?
Tell us about your property and your plan and, if it’s a fit, we’ll issue a term sheet in under 5 business days. If you qualify, you’ll know quickly; if not, we’ll help you understand where to go next.