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Why Traditional LTV Ratios Are Leaving Money on the Table

Published on: 16/01/2025

The traditional LTV model asks, "What's the risk based on current value?" HEIA asks, "What value can we create together?" That's a fundamental shift in thinking.

Finaincing

Why Traditional LTV Ratios Are Failing Modern Construction Deals

Published on: 15/01/2025

The construction industry has been operating on outdated metrics for far too long. While traditional lenders continue pushing their conventional Loan-to-Value (LTV) ratios, they're missing a fundamental shift in how property value really works