Use this real-estate calculation for a transparent preliminary valuation, financing, income, expense, area, tax, return, or market scenario with explicit dates and assumptions.

First Lien Balance (currency)

Required number input.

Other Lien Balance (currency)

Required number input.

Property Value (currency)

Required number input.

Combined loan-to-value percentage from first-lien and subordinate balances divided by property value. The tool evaluates the supplied inputs together and returns the named outputs below; it does not infer omitted operating conditions or change the units shown.^[1]

Cltv Percent (percent)

The resulting cltv percent returned as a number.

• Real properties differ in location, condition, leases, zoning, title, taxes, financing, vacancy, capital needs, environmental risk, and market liquidity. Forecasts and ratios are not appraisals, loan offers, tax opinions, or investment advice.
• Use finite inputs in the displayed units and preserve more precision than the final presentation requires. Independently verify safety-critical, financial, compliance, or production decisions.

Reconcile assumptions to leases, operating statements, surveys, tax records, lender terms, comparable evidence, and physical inspection; test downside scenarios and obtain qualified local advice.

• Ltv

  Loan-to-value percentage: loan principal divided by appraised property value; this is a ratio, not a lending decision.

• Debt Yield

  Property debt yield: annual net operating income divided by loan principal.

• Direct Capitalization Value

  Indicative property value from stabilized annual NOI divided by an assumed cap rate; not an appraisal.