> ## Documentation Index
> Fetch the complete documentation index at: https://docs.homestar.goslate.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Edgecase: LVR Greater Than 80%

<Note>
  This occurs when the calculated Loan-to-Value Ratio (LVR) exceeds 80% based on AVM or manual valuation.
</Note>

## Platform Action

Automatically escalated for human review.

### Credit Operations – Next Steps

* Order manual valuation via ValX
* Update valuation and LVR in platform
* If LVR is revised to ≤ 80%, continue to formal approval if no other issues exist

## Example Situation

AVM returns a property value of $900,000 against a requested loan of $750,000. The system flags LVR at 83.3% and escalates. A manual valuation revises the value to \$950,000, lowering LVR to 78.9% — now eligible.