Estimate your LTV, Initial LTC, Final LTC, and As Repaired LTV for a fix and flip project.
* LTV = Purchase Loan ÷ Purchase Price | Final LTC = Total Loan ÷ Total Cost | ARLTV = Total Loan ÷ ARV
Estimate key loan ratios for a new construction project.
* Same ratio methodology as Fix & Flip — construction draw replaces rehab cost.
Estimate how much bridge financing you may qualify for using your departing home's equity.
* California Bridge uses max CLTV of 65% (up to 70% case-by-case). All figures are estimates only.
Estimate bridge financing for a reverse 1031 exchange — acquiring the replacement property before selling the relinquished one.
* Bridge loan capped at 70% LTV of replacement property value. Net proceeds assume 6% selling costs on relinquished property. Exchange funds = net proceeds minus any remaining mortgage balance. Consult a qualified intermediary and tax advisor before structuring your exchange. All figures are estimates only.
Estimate LTV and Debt Service Coverage Ratio for a rental property.
* DSCR = Gross Monthly Rent ÷ Monthly P&I Payment. Most lenders require DSCR ≥ 1.0–1.25. This does not account for taxes, insurance, or vacancies.
Estimate LTV and DSCR for a 2–4 unit or small multifamily property.
* NOI = Gross Rent – Operating Expenses. DSCR = NOI ÷ Monthly P&I. Most lenders require DSCR ≥ 1.20 for multifamily. Vacancy not included.
Estimate LTV and DSCR for a commercial property.
* NOI = Gross Rent – Operating Expenses. DSCR = Annual NOI ÷ Annual Debt Service. Most lenders require DSCR ≥ 1.25 for commercial.
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