Explanation
LTV measures lender risk: lower LTV means more borrower equity and lower risk to the lender.
Conventional commercial real estate loans typically cap LTV at 65–75%; SBA 504 loans can allow up to 90% LTV.
Examples
- •$750K loan ÷ $1M property = 75% LTV
- •Commercial real estate: 65–75% typical
- •SBA 504: up to 90% LTV
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