Analysis Tool

Lien Value & Risk Calculator

Enter an assessed value and lien amount to instantly calculate LTV ratio, equity cushion, risk rating, and break-even scenarios.

Primary Parcel
Enter property values to analyze
Assessed Value
From county tax roll
$
Lien Amount Owed
Total delinquent taxes + fees
$
Prior Year Liens
Additional senior obligations
$
Interest Rate
State statutory rate
%
Est. Market Value
Your estimate (optional)
$
Hold Period
Expected months to redemption
mo
⟵
Enter an assessed value and lien amount to see your analysis.
All calculations update instantly as you type.
Compare Neighboring Parcels
Add parcels from the same auction to compare LTV ratios side by side.
For educational purposes only. Assessed values may differ significantly from true market value and vary by county assessment practices. LTV ratios are simplified indicators — always conduct a full title search and consult licensed professionals before investing. This calculator does not account for all costs or risks.