Loan-to-Value, is the loan amount divided by the appraised value of the property. The higher the LTV, the less equity a borrower has, and the higher the risk for the lender. Lenders set their own LTV matrix based on factors like credit profile, housing history, and property type. I've been good at math since Middle School, when I understood my homework better than my parents did. This week, I’m working on a investor refinance at 35% LTV, helping a family settle the estate of their matriarch. Instead of selling, they’re choosing to keep the rental property as an investment preserving both the asset and the income stream. I’m Michael with LendSure Wholesale Mortgage. I’m a great referral for an estate attorney who smiles when they talk about clients. Their clients feel like family, having worked with several of them for three generations, and proud that they are considered both a friend and a valued resource. Ask when the last time was that a client invited them to Thanksgiving dinner.