{"id":1432,"date":"2026-10-13T23:29:34","date_gmt":"2026-10-14T03:29:34","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/?p=1432"},"modified":"2026-10-14T04:06:19","modified_gmt":"2026-10-14T08:06:19","slug":"ltv-investment-property-requirements","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/ltv-investment-property-requirements\/","title":{"rendered":"LTV Investment Property: Requirements by Loan Type (2026)"},"content":{"rendered":"

Understanding LTV investment property<\/strong> requirements changed how I structure every deal. I have closed deals with conventional financing at 75% LTV, DSCR loans at 80%, and hard money at 65%. Each loan type came with a different maximum LTV, a different rate, and a completely different set of documentation headaches. The difference between a 75% and an 80% LTV on a $400,000 rental property is $20,000 in cash you either keep in your pocket or wire to the title company at closing. That is not a rounding error \u2014 it is the difference between buying two properties this year or three.<\/p>\n

LTV investment property<\/strong> requirements ranges from 65% to 85% depending on the loan program, your credit profile, and the property type. Conventional loans cap at 75-80%. DSCR loans go up to 80-85%. Hard money sits at 65-70% of purchase price but sometimes 80-85% of ARV. This article lays out the exact LTV requirements by loan type, shows you how your LTV ratio changes your interest rate, and walks through two worked examples so you can see the cash flow impact of even a 5% LTV swing. If you want to run your own numbers while you read, open the LTV calculator<\/a> and plug in your deal.<\/p>\n

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