Oycora methodology
Loan-to-Value Ratio (LTV)
Loan principal expressed as a percentage of the applicable property value.
Methodology v1.0Effective 2026-08-23Last reviewed 2026-08-23
How this is calculated
LTV = loan amount / property value
A zero loan produces zero LTV when the value denominator is valid.
Why it matters
LTV describes leverage relative to the value basis used for the calculation.
What is included
- Loan principal
- Selected purchase, current, or after-repair value basis
What is excluded
- Closing costs
- Interest
- Operating performance
Assumptions and limitations
- The value basis must be interpreted in the context of the calculator using it.