Question 13 (1 point) Which one of the following statements is true? Debt-to-equity ratios are more often used in real estate finance than are loan- to-value ratios. Loan-to-value ratios are more often used in real estate finance than are debt-to- equity ratios. Neither of these ratios are commonly used in real estate finance. The choice of debt-to-equity ratio or loan-to-value ratio depends upon the borrowers tax position