Calculators · free, no signup
How much can you borrow against the land?
Loan-to-value is the whole ballgame in asset-based lending: the loan is a percentage of what the ground appraises for, not a multiple of your income. Enter your property's value and the loan you want, and see instantly whether you're inside a 70% LTV program.
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What LTV do land lenders allow?+
Raw land at a bank often caps at 50–65%. Turnrow lends up to 70% of appraised value on agricultural land — vineyards, farms, ranches, orchards — in all 50 states.
Is LTV based on purchase price or appraisal?+
On a purchase, lenders use the lesser of the two. If you're buying under market, your cash down is what bridges the gap — the appraisal doesn't lend you the discount.
Does my income change my LTV?+
In no-doc, asset-based lending, no. The land's value, your 680+ credit score, and business purpose are the qualifying criteria. Tax returns never enter the file.
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Educational estimates only, not a loan offer or tax advice. Actual terms are set by underwriting and shown on your term sheet.