Estimate a new property loan, cash released, and equity remaining from an entered target LTV.
It keeps income, operating costs, financing, invested cash, value, timing, and exit assumptions explicit so you can reproduce the result and compare genuinely consistent scenarios.
Calculation structure
Keep income, costs, and value in the right period
New loan = property value × target LTV; cash released = new loan − existing balance − closing costs.
Visual explanation
See what drives the property result
Property incomeDebt serviceLoan balanceFinancing coverage and leverageNew loan = property value × target LTV; cash released = new loan − existing balance − closing costs.
Read the result correctly
Use the result with its boundaries
A 500,000 value at 75% LTV, less 250,000 balance and 10,000 costs, releases 115,000.
This does not calculate a payment, qualify a borrower, or predict an appraisal or lender limit.
Quick guide
How to use this calculator
Enter a single internally consistent property scenario.
Use the field labels to preserve each page's specific investment, transaction, lease, development, or lodging convention.
Review the calculator-specific boundary before interpreting the result.
Calculation method
Calculation method
New loan = property value × target LTV; cash released = new loan − existing balance − closing costs.
Entered fixed decimals use exact rational arithmetic except the explicitly approximate IRR root. Money rounds only for display and supported nonzero amounts remain visible.
Worked example
Worked example
A 500,000 value at 75% LTV, less 250,000 balance and 10,000 costs, releases 115,000.
New loan = property value × target LTV; cash released = new loan − existing balance − closing costs.
Supported inputs
Precision and limits
Visible input limits
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Whole-number periods are capped at the page's stated range; rates are capped at 1000%.
International scope
No currency, tax regime, lease law, lender threshold, local market feed, appraisal, or jurisdiction-specific charge is assumed.
Decision boundary
Results are visitor-entered arithmetic scenarios, not appraisals, forecasts, loan approvals, legal or tax determinations, or investment recommendations.
Calculator-specific assumptions
This does not calculate a payment, qualify a borrower, or predict an appraisal or lender limit.
