HOW WE USE LTV
Understanding LTV (Loan-to-Value Ratio)
At Emerald Lux Capital, we believe in clarity, transparency, and empowering investors with knowledge. That begins with understanding how your loan amount is determined.
Loan-to-Value (LTV) represents the relationship between the loan amount and the property’s value—whether that’s the purchase price, appraised value, or after-repair value, depending on the loan program.
Different loan programs have specific LTV limits based on the type of project, property risk, and investor experience level. By understanding how LTV impacts your deal, you can make smarter funding decisions and maximize your leverage with confidence.
Why it matters
Higher LTV = More Leverage. You keep more of your cash for materials, reserves, and growth.
Lower LTV = Lower Risk. Sometimes strategic equity leads to faster approvals and better terms.
Balanced LTV = Faster Funding. We find the sweet spot that gets your deal approved and clear to close quickly.
Our Commitment: Fair LTV, Fast Funding
We evaluate every project individually — not just by numbers on paper.
If your deal makes sense, we’ll find a way to make it work.
- Up to 90% Financing Available
- State-Specific 100% Funding Programs
- No Credit or Appraisal Options Available