Money Tools

Loan to ARV Calculator

Estimate loan-to-after-repair-value ratio from loan amount and after-repair value.

Updated April 18, 2026
Free online tool
Planning and research use

Why this page exists

Rehab and flip financing gets easier to compare when the proposed loan is translated into a clear percentage of after-repair value instead of being judged by dollar amount alone. This calculator helps visitors estimate loan-to-ARV from loan amount and after-repair value so leverage can be reviewed more quickly before a deal gets deeper into underwriting.

Interactive tool

Run the estimate

Enter your numbers and read the result first, then use the sections below to understand what affects the outcome.

Calculator

Loan-to-ARV calculator

Estimate loan-to-after-repair-value ratio from loan amount and after-repair value.

Result

70.00%

Estimated loan-to-ARV ratio from loan amount divided by after-repair value.

Loan-to-ARV ratio70.00%

Loan amount used$210,000

After-repair value used$300,000

Value cushion above the loan$90,000

$210,000 against an after-repair value of $300,000 works out to about 70.00% loan-to-ARV.
This ratio is often used as a quick financing screen for rehab or flip scenarios before the project budget and lender terms are fully documented.
Use the result as a planning estimate only, because lenders can define ARV, allowable repairs, and max leverage differently.

This is a financing-planning estimate only. Lender guidelines, appraisal assumptions, and project details can all change the real financing decision.

Planning note

Last updated April 18, 2026. Use this tool to compare scenarios and plan ahead, then confirm important details with the lender, employer, insurer, contractor, or other qualified provider involved in the final decision.

How it works

What the calculator is doing

Enter the proposed loan amount and the after-repair value you want to use.

The calculator divides loan amount by after-repair value.

It shows the resulting loan-to-ARV percentage together with the values used.

Understanding your result

This is a financing-planning ratio only. It can help compare deal leverage quickly, but actual lender limits can still vary with scope of work, borrower profile, appraisal support, and reserve requirements.

Browse more money tools

Examples

Ways people use this tool

Example scenarios help turn a quick estimate into a more useful comparison or planning step.

Check whether a rehab loan looks conservative or aggressive

A loan-to-ARV percentage can make it easier to compare financing structures across potential deals.

Compare two ARV assumptions on the same project

Running a higher and lower ARV can show how quickly the leverage picture changes when resale assumptions move.

When to use it

Good times to run this calculator

Use this when you want a quick leverage check on a rehab or flip loan based on expected finished value.

It is especially useful when you are comparing multiple deals or testing how sensitive the financing looks to different ARV assumptions.

Assumptions and limitations

The estimate assumes the after-repair value entered is a reasonable planning number for the finished property.

It does not include fees, draws, repair holdbacks, or lender-specific underwriting rules that can change the effective leverage.

Common mistakes

Avoid the usual input mistakes

Using an overly optimistic ARV can make the ratio look safer than it really is.

Treating loan-to-ARV like a lending approval answer can be misleading because lenders still consider many other conditions.

Practical tips

Run a base-case and downside ARV so you can see how much the leverage picture depends on the resale assumption.

Review the result beside flip-profit and closing-cost tools if the real question is whether the deal still works after financing and transaction costs.

Worked example

Walk through a realistic scenario

A worked example shows how the estimate behaves when the inputs resemble a real planning decision.

Estimate leverage on a rehab deal

An investor wants to see what share of the finished value would be covered by the proposed loan before moving the deal forward.

1. Enter the planned loan amount and the estimated after-repair value.

2. Divide the loan by ARV.

3. Read the result as the loan-to-ARV percentage.

Takeaway: The result gives a quick leverage checkpoint that is easier to compare across deals than loan dollars alone.

FAQ

Common questions

How is loan-to-ARV calculated here?

The calculator divides the loan amount by the after-repair value and shows the result as a percentage.

Why does ARV matter instead of current value?

Because many rehab and flip loans are evaluated partly against the property's expected value after the planned work is complete.

Does this tell me if a lender will approve the loan?

No. It is only a planning ratio, and approval also depends on appraisal support, credit, cash reserves, project scope, and lender policy.

Related tools

Keep comparing

After-repair-value, loan-to-value, house-flip-profit, and mortgage tools help place the leverage ratio inside the larger financing and resale workflow.

Closing-cost and budget tools add context when you want to connect leverage with the real cash needed to close and execute the project.

Money ToolsUpdated April 18, 2026