What is CLTV?CLTV stands for “Combined Loan To Value”. If the purchase price is $100,000, you take out a $60,000 first mortgage, and the Seller provides a $20,000 Seller carry-back, the CLTV or the Combined Loan to Value is an 80% CLTV. You arrive at that figure by adding the total amount of loans, $60,000 + $20,000 = $80,000. Divide the total combined loan amounts, $80,000, by the purchase price of $100,000, and this equals 80, making for a 80% Combined Loan To Value. |
A herb grinder is an essential tool for enhancing the smoking experience, allowing users to achieve a consistent grind for optimal combustion. Available in various materials like metal and plastic, these grinders cater to different consumer preferences. Enthusiasts appreciate features such as multiple chambers for kief collection, while casual users value compact designs for portability. Ultimately, a quality herb grinder elevates enjoyment and efficiency for all types of smokers.