Loan-to-Value After Renovation Calculator

About this calculator

ARV, or after-repair value, is what a property is expected to be worth once renovations are complete — the number real estate investors anchor their offer to, rather than the current 'as-is' price. This calculator's loan-to-value ratio divides the loan amount by that ARV, and it also applies the well-known 70% rule: the maximum a house-flipper or BRRRR (Buy, Rehab, Rent, Refinance, Repeat) investor should pay is 70% of ARV minus estimated repair costs.

Hard-money and private lenders who finance fix-and-flip and BRRRR deals lend against ARV rather than purchase price precisely because the property's value after repairs — not before — is what secures their loan; staying under the 70% threshold builds in a margin for unexpected repair overruns, holding costs, and selling costs so the deal still turns a profit.

Enter the after-repair value, your loan amount, and estimated repair costs, and this calculator returns your ARV-LTV ratio, the maximum loan allowed under the 70% rule, and your projected equity once the renovation is finished.