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LTC Calculator
Calculate loan-to-cost (LTC) for purchase + rehab financing.
Parcel Platform
Mar 4, 2026
LTC Calculator
Cost $360,000 • LTC 70.8%
LTC
70.83%
Total Cost (Purchase + Rehab)
$360,000
LTC is loan amount divided by total project cost (purchase + rehab). It’s common in rehab and construction lending.
How this calculator works
LTC (Loan-to-Cost) is the loan amount divided by total project cost (purchase + rehab). It’s common in value-add and rehab financing.
What it includes
- Total project cost
- LTC %
- Quick lender-limit check
How to use it
- Enter purchase price and rehab budget to estimate total cost.
- Enter loan amount you’re considering.
- Use LTC to understand leverage and lender limits on rehab deals.
FAQ
Why does LTC matter on rehab deals?
Because value can be uncertain during construction. Lenders often underwrite against cost to control risk and ensure borrowers have equity in the project.
Is LTC the same as ARV lending?
Not necessarily. Some lenders offer ARV-based loans, but many still cap leverage with LTC and other constraints.
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