ARV (after repair or rehab value). This number is often used by hard money lender or other type of lenders to determine the maximum they will finance on a property.
This is different that LTV (loan to value). You may assume this means the amount lent vs. the value. Most lending institutions determine percentage to lend based on the value of the property or offer price whichever is less. This means you need to come up with a down payment.
ARV is essentially known as the FMV (Fair Market Value). This value is usually determined from comparables. My suggestion for comparables is to get them from a Realtor or Title company if you are having trouble with Realtors.
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