Calculate loan-to-cost (ltc) for real estate investments and properties
Enter the loan amount and total project cost (including land, construction, soft costs). The calculator divides loan by cost to show loan-to-cost ratio.
A $3.5M loan on a $5M total project cost (land + construction) results in a 70% LTC ratio, typical for construction loans.
Construction loans typically max at 75-80% LTC for experienced developers. First-time developers may get 65-70% LTC, requiring more equity.
LTC divides loan by total project cost; LTV divides by appraised value. LTC is used during construction; LTV used after completion.
Land acquisition, hard construction costs, soft costs (architecture, permits, fees), financing costs, and interest reserves.