Cross-Collateral
Estimate whether adding collateral improves a loan structure. Add each property's value and existing debt, set the loan amount you want, and watch the combined picture update live.
Educational estimate only. This tool is not an offer, quote, or underwriting decision, and its bands are illustrative - not 1st Private Capital lending criteria.
Build the collateral pool.
The loan you want the collateral pool to support.
Enter at least one property value and a requested loan amount to see the combined loan-to-value readout.
Bands are illustrative reference points for thinking about leverage - they are not 1st Private Capital underwriting thresholds. Actual structures depend on the full transaction.
Snapshots are stored only in this browser on this device - nothing is sent anywhere. Clearing site data removes them.
Educational estimate only. Nothing on this page is an offer, quote, rate indication, or underwriting decision. To send results to 1st Private Capital, copy or download them and paste the summary into the Exit strategy field on the Request a Term Sheet form - the form does not import them automatically yet.
No black box. Here is every formula.
The whole calculation runs in your browser. Nothing you type is sent anywhere.
sum of every property's estimated value
Only properties with a value entered are counted.
total value - total existing debt
The raw equity in the pool before any new loan.
(total existing debt + requested loan) / total value
The headline number: how leveraged the whole pool would be with the new loan in place.
(70% x total value) - total existing debt
An illustrative estimate of the equity a lender could lend against before the pool passes a 70% combined LTV reference point. The 70% figure is illustrative only.
60% and below: strong - 60-70%: workable - 70-80%: tight - above 80%: stretched
Qualitative reference bands for reading the combined LTV. They are illustrative, not 1st Private Capital underwriting thresholds - real decisions consider the whole transaction.
What adding collateral actually does.
Adding a property with real untapped equity increases total value faster than total debt - so the combined LTV drops and the structure strengthens.
A property that is already heavily financed brings debt along with value. It can leave the combined LTV nearly unchanged - or worse.
Cross-collateral pledges additional property to secure one loan. It can unlock a structure a single asset cannot - the trade is that more of your portfolio is encumbered.
Cross-collateralized loans are one of the structures 1st Private Capital works with. Read more on the Hard Money page.
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