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ARV, max loan & maximum allowable offer
Lenders cap total loan at 65–80% of after-repair value. See how much a lender will advance on your ARV, how that compares with your total cost, and what the 70% rule says you should pay.
Maximum loan
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- Total project cost
- Cash you must bring (gap)
- Effective loan-to-cost
- 70%-rule maximum offer
Your actual loan is also limited by the lender's LTC cap (usually 80–92.5%) and by points/fees. Gap excludes points, closing costs and reserves.
Get real quotes for this deal →Why this matters
When the ARV cap is the binding constraint, every dollar you overpay comes out of your pocket at closing. Negotiating price down by $10,000 saves you $10,000 of cash — not $7,500. Read ARV and the 70% rule.