Tips and Tricks of Loan to Value Ratio Say you have an arm of 4.25 with a loan balance of $178,000.00 that you can take as subject-to on that and you are getting the asking price of $325,000.00 for this house. What are you figuring the loan to value ratio for? 11-20-2008 by lololo12 Tags arm, house, loan, ratio, tips, tricks, value