Can someone tell me how the LTV is determined or calculated? Thanks

Its the market value of the house. How much will the house sell for after it is repaired?

To determine that, see what similar houses in the area sold for

It is the loan amount as a percentage of the property value. For example. If the value of the property is $100,000 a loan amount of $80,000 would be 80% Loan To Value.

I hope this helps.

duh sorry, I was thinking ARV