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Real Estate InvestorGenerated accuracy model review: 2026-05-06
Loan-to-Value Calculator accuracy and testing
This page documents how Calwarden builds trust for this calculator: source notes, regression-style default tests, limitations, assumptions, unit handling, rounding, and visible change history.
Formula source
- LTV = loan amount / appraised value x 100. Equity = appraised value - loan amount.
Test cases
Default input regression check
Generated from the checked-in default inputs and calculate function.
Inputs
- Loan Amount: $600,000
- Appraised Value: $800,000
Expected outputs
- Loan-to-Value Ratio: 75.00%
- Estimated Equity: $200,000.00
- Equity Percentage: 25.00%
Known limitations
- This calculator does not determine loan eligibility or pricing. Lenders may use different values, haircut assumptions, property types, or underwriting standards.
Assumptions
- Loan amount and appraised value are entered by the user.
- The calculator does not model lender overlays, appraisal review, reserves, mortgage insurance, or debt-service coverage.
- Calculations run locally in your browser and are not stored by Calwarden.
Unit handling
- Loan Amount accepts values in $.
- Appraised Value accepts values in $.
- Loan-to-Value Ratio is displayed as a percentage.
- Estimated Equity is displayed as currency.
- Equity Percentage is displayed as a percentage.
Rounding rules
- Number displays use up to 2 decimal places in the calculator UI.
- Currency outputs are displayed with standard US dollar formatting.
- Percent outputs are displayed with two decimal places.
- Input precision follows configured step values where provided.
Version history
1.0.0 - 2026-05-06
Generated accuracy and testing page from the current loan-to-value-calculator calculator definition.
Change log
2026-05-06
Published default regression test documentation and metadata fallbacks for Loan-to-Value Calculator.
Calculator transparency
Accuracy pages are generated from checked-in calculator definitions and can be upgraded with curated review metadata over time.