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What Drives LTV in 2026
- Model liquidity, age, maintenance status, and documentation.
- Market prices vs guide values; recency and comparables quality.
Preparation Tips
Strengthen your appraisal case: complete logs, engine/prop times, AD/SB compliance, and high‑quality photos. Read LTV & Appraisals.
Modeling
In the calculator, test LTV via down payment sensitivity and see impacts on payment and total interest. Compare Base/High/Low valuation paths for your exit strategy.