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Why Age and Time Matter
Older airframes and high engine times raise maintenance risk and liquidity concerns, leading to lower LTV caps and tighter terms. Documentation can mitigate but not eliminate these constraints.
How to Improve Outcomes
- Comprehensive logs, AD/SB compliance, corrosion checks, and photos.
- Consider engine reserves or overhaul planning; get quotes and timelines.
- Increase down payment or adjust structure (term, balloon) to reduce risk.
Modeling
Use the calculator to test scenarios with larger down payments and different cadences; see LTV & appraisals and underwriting pillars.
External: FAA Registry · Appraisal Foundation · NBAA