Joe DownsCEO & Co-Founder, Belrose Storage Group. Founder, Storage Moguls.

Seven loan parameters every mogul must know

17 Apr 2026 · 1 min

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Know these seven loan parameters before talking to a lender: loan-to-value ratios typically run 65-70%, up to 75% for stabilized properties with 24 months of occupancy, and around 65% for value-add deals. Bankers take you seriously when you speak their numbers.

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A mogul knows there are 7 loan parameters. You got to know all of them before you walk into a lender meeting. An operator who quotes these numbers confidently signals to the banker that they've done this before or that they've prepared as thoroughly as someone who has. LTVs of 65% to 70% are the typical range. A stabilized facility with 24 months of documented occupancy and a waiting list will get you closer to 75%. A value-add deal, or maybe it's a first-time operator, you might be closer to 65%.