Which type of loan would likely have the highest loan-to-value ratio?

A single-family residence loan typically has the highest loan-to-value ratio compared to loans for other property types. This is primarily because lenders view single-family residences as less risky investments. They are often more stable in value and easier to sell in the event of a foreclosure.

Lenders generally allow a higher percentage of financing for single-family homes, often up to 80% to 100% of the property's appraised value, especially for owner-occupied properties. This attractive financing option is designed to encourage homeownership, making it more accessible to a larger segment of the market.

In contrast, loans for commercial properties, multi-family units, or vacant land often have more conservative loan-to-value ratios due to the higher risks associated with those investments. Commercial properties may have fluctuating market demands and can require larger down payments, while vacant land often relies on speculative value, which can make lenders hesitant to finance a higher percentage of the purchase price. Therefore, the single-family residence loan stands out as generally being favored with a higher loan-to-value ratio.