diff --git a/x/hard/genesis.go b/x/hard/genesis.go
index 3f61e7b9..a3fdf188 100644
--- a/x/hard/genesis.go
+++ b/x/hard/genesis.go
@@ -27,6 +27,10 @@ func InitGenesis(ctx sdk.Context, k Keeper, supplyKeeper types.SupplyKeeper, gs
 		}
 	}
 
+	for _, mm := range gs.Params.MoneyMarkets {
+		k.SetMoneyMarket(ctx, mm.Denom, mm)
+	}
+
 	// check if the module account exists
 	LPModuleAcc := supplyKeeper.GetModuleAccount(ctx, LPAccount)
 	if LPModuleAcc == nil {
diff --git a/x/hard/keeper/deposit.go b/x/hard/keeper/deposit.go
index 0ee522bf..9e3c8ed7 100644
--- a/x/hard/keeper/deposit.go
+++ b/x/hard/keeper/deposit.go
@@ -91,11 +91,35 @@ func (k Keeper) Withdraw(ctx sdk.Context, depositor sdk.AccAddress, coins sdk.Co
 		return sdkerrors.Wrapf(types.ErrDepositNotFound, "no deposit found for %s", depositor)
 	}
 
-	if !deposit.Amount.IsAllGTE(coins) { // TODO test that this works how I think it does
-		return sdkerrors.Wrapf(types.ErrInvalidWithdrawAmount, "%s>%s", coins, deposit.Amount)
+	// Get current stored LTV based on stored borrows/deposits
+	prevLtv, shouldRemoveIndex, err := k.GetStoreLTV(ctx, depositor)
+	if err != nil {
+		return err
 	}
 
-	err := k.supplyKeeper.SendCoinsFromModuleToAccount(ctx, types.ModuleAccountName, depositor, coins)
+	k.SyncOutstandingInterest(ctx, depositor)
+
+	borrow, found := k.GetBorrow(ctx, depositor)
+	if !found {
+		borrow = types.Borrow{}
+	}
+
+	proposedDepositAmount, isNegative := deposit.Amount.SafeSub(coins)
+	if isNegative {
+		return types.ErrNegativeBorrowedCoins
+	}
+	proposedDeposit := types.NewDeposit(deposit.Depositor, proposedDepositAmount)
+
+	valid, err := k.IsWithinValidLtvRange(ctx, proposedDeposit, borrow)
+	if err != nil {
+		return err
+	}
+
+	if !valid {
+		return sdkerrors.Wrapf(types.ErrInvalidWithdrawAmount, "proposed withdraw outside loan-to-value range")
+	}
+
+	err = k.supplyKeeper.SendCoinsFromModuleToAccount(ctx, types.ModuleAccountName, depositor, coins)
 	if err != nil {
 		return err
 	}
@@ -122,6 +146,8 @@ func (k Keeper) Withdraw(ctx sdk.Context, depositor sdk.AccAddress, coins sdk.Co
 	deposit.Amount = deposit.Amount.Sub(coins)
 	k.SetDeposit(ctx, deposit)
 
+	k.UpdateItemInLtvIndex(ctx, prevLtv, shouldRemoveIndex, depositor)
+
 	return nil
 }
 
diff --git a/x/hard/keeper/deposit_test.go b/x/hard/keeper/deposit_test.go
index 1a749849..451e106a 100644
--- a/x/hard/keeper/deposit_test.go
+++ b/x/hard/keeper/deposit_test.go
@@ -1,7 +1,6 @@
 package keeper_test
 
 import (
-	"fmt"
 	"strings"
 	"time"
 
@@ -267,7 +266,7 @@ func (suite *KeeperTestSuite) TestWithdraw() {
 			},
 			errArgs{
 				expectPass: false,
-				contains:   "invalid withdrawal amount",
+				contains:   "subtraction results in negative borrow amount",
 			},
 		},
 		{
@@ -284,7 +283,7 @@ func (suite *KeeperTestSuite) TestWithdraw() {
 			},
 			errArgs{
 				expectPass: false,
-				contains:   "invalid withdrawal amount",
+				contains:   "subtraction results in negative borrow amount",
 			},
 		},
 	}
@@ -310,10 +309,45 @@ func (suite *KeeperTestSuite) TestWithdraw() {
 				types.MoneyMarkets{
 					types.NewMoneyMarket("usdx", types.NewBorrowLimit(false, sdk.NewDec(1000000000000000), loanToValue), "usdx:usd", sdk.NewInt(1000000), sdk.NewInt(USDX_CF*1000), types.NewInterestRateModel(sdk.MustNewDecFromStr("0.05"), sdk.MustNewDecFromStr("2"), sdk.MustNewDecFromStr("0.8"), sdk.MustNewDecFromStr("10")), sdk.MustNewDecFromStr("0.05"), sdk.ZeroDec()),
 					types.NewMoneyMarket("ukava", types.NewBorrowLimit(false, sdk.NewDec(1000000000000000), loanToValue), "kava:usd", sdk.NewInt(1000000), sdk.NewInt(KAVA_CF*1000), types.NewInterestRateModel(sdk.MustNewDecFromStr("0.05"), sdk.MustNewDecFromStr("2"), sdk.MustNewDecFromStr("0.8"), sdk.MustNewDecFromStr("10")), sdk.MustNewDecFromStr("0.05"), sdk.ZeroDec()),
+					types.NewMoneyMarket("bnb", types.NewBorrowLimit(false, sdk.NewDec(1000000000000000), loanToValue), "bnb:usd", sdk.NewInt(100000000), sdk.NewInt(BNB_CF*1000), types.NewInterestRateModel(sdk.MustNewDecFromStr("0.05"), sdk.MustNewDecFromStr("2"), sdk.MustNewDecFromStr("0.8"), sdk.MustNewDecFromStr("10")), sdk.MustNewDecFromStr("0.05"), sdk.ZeroDec()),
 				},
 				0, // LTV counter
 			), types.DefaultPreviousBlockTime, types.DefaultDistributionTimes)
-			tApp.InitializeFromGenesisStates(authGS, app.GenesisState{types.ModuleName: types.ModuleCdc.MustMarshalJSON(hardGS)})
+
+			// Pricefeed module genesis state
+			pricefeedGS := pricefeed.GenesisState{
+				Params: pricefeed.Params{
+					Markets: []pricefeed.Market{
+						{MarketID: "usdx:usd", BaseAsset: "usdx", QuoteAsset: "usd", Oracles: []sdk.AccAddress{}, Active: true},
+						{MarketID: "kava:usd", BaseAsset: "kava", QuoteAsset: "usd", Oracles: []sdk.AccAddress{}, Active: true},
+						{MarketID: "bnb:usd", BaseAsset: "bnb", QuoteAsset: "usd", Oracles: []sdk.AccAddress{}, Active: true},
+					},
+				},
+				PostedPrices: []pricefeed.PostedPrice{
+					{
+						MarketID:      "usdx:usd",
+						OracleAddress: sdk.AccAddress{},
+						Price:         sdk.MustNewDecFromStr("1.00"),
+						Expiry:        time.Now().Add(100 * time.Hour),
+					},
+					{
+						MarketID:      "kava:usd",
+						OracleAddress: sdk.AccAddress{},
+						Price:         sdk.MustNewDecFromStr("2.00"),
+						Expiry:        time.Now().Add(100 * time.Hour),
+					},
+					{
+						MarketID:      "bnb:usd",
+						OracleAddress: sdk.AccAddress{},
+						Price:         sdk.MustNewDecFromStr("10.00"),
+						Expiry:        time.Now().Add(100 * time.Hour),
+					},
+				},
+			}
+
+			tApp.InitializeFromGenesisStates(authGS,
+				app.GenesisState{pricefeed.ModuleName: pricefeed.ModuleCdc.MustMarshalJSON(pricefeedGS)},
+				app.GenesisState{types.ModuleName: types.ModuleCdc.MustMarshalJSON(hardGS)})
 			keeper := tApp.GetHardKeeper()
 			suite.app = tApp
 			suite.ctx = ctx
@@ -341,10 +375,181 @@ func (suite *KeeperTestSuite) TestWithdraw() {
 				}
 			} else {
 				suite.Require().Error(err)
-				fmt.Printf("%s\n", err.Error())
 				suite.Require().True(strings.Contains(err.Error(), tc.errArgs.contains))
 			}
 		})
 
 	}
 }
+
+func (suite *KeeperTestSuite) TestLtvWithdraw() {
+	type args struct {
+		borrower             sdk.AccAddress
+		keeper               sdk.AccAddress
+		initialModuleCoins   sdk.Coins
+		initialBorrowerCoins sdk.Coins
+		initialKeeperCoins   sdk.Coins
+		depositCoins         []sdk.Coin
+		borrowCoins          sdk.Coins
+		futureTime           int64
+	}
+
+	type errArgs struct {
+		expectPass bool
+		contains   string
+	}
+
+	type liqTest struct {
+		name    string
+		args    args
+		errArgs errArgs
+	}
+
+	// Set up test constants
+	model := types.NewInterestRateModel(sdk.MustNewDecFromStr("0"), sdk.MustNewDecFromStr("0.1"), sdk.MustNewDecFromStr("0.8"), sdk.MustNewDecFromStr("0.5"))
+	reserveFactor := sdk.MustNewDecFromStr("0.05")
+	oneMonthInSeconds := int64(2592000)
+	borrower := sdk.AccAddress(crypto.AddressHash([]byte("testborrower")))
+	keeper := sdk.AccAddress(crypto.AddressHash([]byte("testkeeper")))
+
+	testCases := []liqTest{
+		{
+			"invalid: withdraw is outside loan-to-value range",
+			args{
+				borrower:             borrower,
+				keeper:               keeper,
+				initialModuleCoins:   sdk.NewCoins(sdk.NewCoin("ukava", sdk.NewInt(100*KAVA_CF))),
+				initialBorrowerCoins: sdk.NewCoins(sdk.NewCoin("ukava", sdk.NewInt(100*KAVA_CF))),
+				initialKeeperCoins:   sdk.NewCoins(sdk.NewCoin("ukava", sdk.NewInt(100*KAVA_CF))),
+				depositCoins:         sdk.NewCoins(sdk.NewCoin("ukava", sdk.NewInt(10*KAVA_CF))),
+				borrowCoins:          sdk.NewCoins(sdk.NewCoin("ukava", sdk.NewInt(8*KAVA_CF))),
+				futureTime:           oneMonthInSeconds,
+			},
+			errArgs{
+				expectPass: false,
+				contains:   "proposed withdraw outside loan-to-value range",
+			},
+		},
+	}
+
+	for _, tc := range testCases {
+		suite.Run(tc.name, func() {
+			// Initialize test app and set context
+			tApp := app.NewTestApp()
+			ctx := tApp.NewContext(true, abci.Header{Height: 1, Time: tmtime.Now()})
+
+			// Auth module genesis state
+			authGS := app.NewAuthGenState(
+				[]sdk.AccAddress{tc.args.borrower, tc.args.keeper},
+				[]sdk.Coins{tc.args.initialBorrowerCoins, tc.args.initialKeeperCoins},
+			)
+
+			// Harvest module genesis state
+			harvestGS := types.NewGenesisState(types.NewParams(
+				true,
+				types.DistributionSchedules{
+					types.NewDistributionSchedule(true, "ukava", time.Date(2020, 10, 8, 14, 0, 0, 0, time.UTC), time.Date(2020, 11, 22, 14, 0, 0, 0, time.UTC), sdk.NewCoin("hard", sdk.NewInt(5000)), time.Date(2021, 11, 22, 14, 0, 0, 0, time.UTC), types.Multipliers{types.NewMultiplier(types.Small, 0, sdk.MustNewDecFromStr("0.33")), types.NewMultiplier(types.Medium, 6, sdk.MustNewDecFromStr("0.5")), types.NewMultiplier(types.Medium, 24, sdk.OneDec())}),
+				},
+				types.DelegatorDistributionSchedules{types.NewDelegatorDistributionSchedule(
+					types.NewDistributionSchedule(true, "usdx", time.Date(2020, 10, 8, 14, 0, 0, 0, time.UTC), time.Date(2025, 10, 8, 14, 0, 0, 0, time.UTC), sdk.NewCoin("hard", sdk.NewInt(500)), time.Date(2026, 10, 8, 14, 0, 0, 0, time.UTC), types.Multipliers{types.NewMultiplier(types.Small, 0, sdk.MustNewDecFromStr("0.33")), types.NewMultiplier(types.Medium, 6, sdk.MustNewDecFromStr("0.5")), types.NewMultiplier(types.Medium, 24, sdk.OneDec())}),
+					time.Hour*24,
+				),
+				},
+				types.MoneyMarkets{
+					types.NewMoneyMarket("ukava",
+						types.NewBorrowLimit(false, sdk.NewDec(100000000*KAVA_CF), sdk.MustNewDecFromStr("0.8")), // Borrow Limit
+						"kava:usd",                     // Market ID
+						sdk.NewInt(KAVA_CF),            // Conversion Factor
+						sdk.NewInt(100000000*KAVA_CF),  // Auction Size
+						model,                          // Interest Rate Model
+						reserveFactor,                  // Reserve Factor
+						sdk.MustNewDecFromStr("0.05")), // Keeper Reward Percent
+				},
+				0, // LTV counter
+			), types.DefaultPreviousBlockTime, types.DefaultDistributionTimes)
+
+			// Pricefeed module genesis state
+			pricefeedGS := pricefeed.GenesisState{
+				Params: pricefeed.Params{
+					Markets: []pricefeed.Market{
+						{MarketID: "usdx:usd", BaseAsset: "usdx", QuoteAsset: "usd", Oracles: []sdk.AccAddress{}, Active: true},
+						{MarketID: "kava:usd", BaseAsset: "kava", QuoteAsset: "usd", Oracles: []sdk.AccAddress{}, Active: true},
+					},
+				},
+				PostedPrices: []pricefeed.PostedPrice{
+					{
+						MarketID:      "usdx:usd",
+						OracleAddress: sdk.AccAddress{},
+						Price:         sdk.MustNewDecFromStr("1.00"),
+						Expiry:        time.Now().Add(100 * time.Hour),
+					},
+					{
+						MarketID:      "kava:usd",
+						OracleAddress: sdk.AccAddress{},
+						Price:         sdk.MustNewDecFromStr("2.00"),
+						Expiry:        time.Now().Add(100 * time.Hour),
+					},
+				},
+			}
+
+			// Initialize test application
+			tApp.InitializeFromGenesisStates(authGS,
+				app.GenesisState{pricefeed.ModuleName: pricefeed.ModuleCdc.MustMarshalJSON(pricefeedGS)},
+				app.GenesisState{types.ModuleName: types.ModuleCdc.MustMarshalJSON(harvestGS)})
+
+			// Mint coins to Harvest module account
+			supplyKeeper := tApp.GetSupplyKeeper()
+			supplyKeeper.MintCoins(ctx, types.ModuleAccountName, tc.args.initialModuleCoins)
+
+			auctionKeeper := tApp.GetAuctionKeeper()
+
+			keeper := tApp.GetHardKeeper()
+			suite.app = tApp
+			suite.ctx = ctx
+			suite.keeper = keeper
+			suite.auctionKeeper = auctionKeeper
+
+			var err error
+
+			// Run begin blocker to set up state
+			hard.BeginBlocker(suite.ctx, suite.keeper)
+
+			// Deposit coins
+			err = suite.keeper.Deposit(suite.ctx, tc.args.borrower, tc.args.depositCoins)
+			suite.Require().NoError(err)
+
+			// Borrow coins
+			err = suite.keeper.Borrow(suite.ctx, tc.args.borrower, tc.args.borrowCoins)
+			suite.Require().NoError(err)
+
+			// Attempting to withdraw fails
+			err = suite.keeper.Withdraw(suite.ctx, tc.args.borrower, sdk.NewCoins(sdk.NewCoin("ukava", sdk.OneInt())))
+			suite.Require().Error(err)
+			suite.Require().True(strings.Contains(err.Error(), tc.errArgs.contains))
+
+			// Set up future chain context and run begin blocker, increasing user's owed borrow balance
+			runAtTime := time.Unix(suite.ctx.BlockTime().Unix()+(tc.args.futureTime), 0)
+			liqCtx := suite.ctx.WithBlockTime(runAtTime)
+			hard.BeginBlocker(liqCtx, suite.keeper)
+
+			// Attempted withdraw of 1 coin still fails
+			err = suite.keeper.Withdraw(suite.ctx, tc.args.borrower, sdk.NewCoins(sdk.NewCoin("ukava", sdk.OneInt())))
+			suite.Require().Error(err)
+			suite.Require().True(strings.Contains(err.Error(), tc.errArgs.contains))
+
+			// Repay the initial principal
+			err = suite.keeper.Repay(suite.ctx, tc.args.borrower, tc.args.borrowCoins)
+			suite.Require().NoError(err)
+
+			// Attempted withdraw of all deposited coins fails as user hasn't repaid interest debt
+			err = suite.keeper.Withdraw(suite.ctx, tc.args.borrower, tc.args.depositCoins)
+			suite.Require().Error(err)
+			suite.Require().True(strings.Contains(err.Error(), tc.errArgs.contains))
+
+			// Withdrawing half the coins should succeed
+			withdrawCoins := sdk.NewCoins(sdk.NewCoin("ukava", tc.args.depositCoins[0].Amount.Quo(sdk.NewInt(2))))
+			err = suite.keeper.Withdraw(suite.ctx, tc.args.borrower, withdrawCoins)
+			suite.Require().NoError(err)
+		})
+	}
+}
diff --git a/x/hard/keeper/liquidation.go b/x/hard/keeper/liquidation.go
index 236d048b..3de1391f 100644
--- a/x/hard/keeper/liquidation.go
+++ b/x/hard/keeper/liquidation.go
@@ -48,60 +48,25 @@ func (k Keeper) AttemptKeeperLiquidation(ctx sdk.Context, keeper sdk.AccAddress,
 	if !found {
 		return false, sdkerrors.Wrapf(types.ErrDepositsNotFound, "no deposits found for %s", borrower)
 	}
-	depositDenoms := []string{}
-	for _, depCoin := range deposit.Amount {
-		depositDenoms = append(depositDenoms, depCoin.Denom)
-	}
 
 	// Fetch borrow balances and parse coin denoms
-	borrows, found := k.GetBorrow(ctx, borrower)
+	borrow, found := k.GetBorrow(ctx, borrower)
 	if !found {
 		return false, types.ErrBorrowNotFound
 	}
-	borrowDenoms := getDenoms(borrows.Amount)
 
-	liqMap := make(map[string]LiqData)
-
-	// Load required liquidation data for every deposit/borrow denom
-	denoms := removeDuplicates(borrowDenoms, depositDenoms)
-	for _, denom := range denoms {
-		mm, found := k.GetMoneyMarket(ctx, denom)
-		if !found {
-			return false, sdkerrors.Wrapf(types.ErrMarketNotFound, "no market found for denom %s", denom)
-		}
-
-		priceData, err := k.pricefeedKeeper.GetCurrentPrice(ctx, mm.SpotMarketID)
-		if err != nil {
-			return false, err
-		}
-
-		liqMap[denom] = LiqData{priceData.Price, mm.BorrowLimit.LoanToValue, mm.ConversionFactor}
+	isWithinRange, err := k.IsWithinValidLtvRange(ctx, deposit, borrow)
+	if err != nil {
+		return false, err
 	}
-
-	totalBorrowableUSDAmount := sdk.ZeroDec()
-	totalDepositedUSDAmount := sdk.ZeroDec()
-	for _, depCoin := range deposit.Amount {
-		lData := liqMap[depCoin.Denom]
-		usdValue := sdk.NewDecFromInt(depCoin.Amount).Quo(sdk.NewDecFromInt(lData.conversionFactor)).Mul(lData.price)
-		totalDepositedUSDAmount = totalDepositedUSDAmount.Add(usdValue)
-		borrowableUSDAmountForDeposit := usdValue.Mul(lData.ltv)
-		totalBorrowableUSDAmount = totalBorrowableUSDAmount.Add(borrowableUSDAmountForDeposit)
-	}
-
-	totalBorrowedUSDAmount := sdk.ZeroDec()
-	for _, coin := range borrows.Amount {
-		lData := liqMap[coin.Denom]
-		usdValue := sdk.NewDecFromInt(coin.Amount).Quo(sdk.NewDecFromInt(lData.conversionFactor)).Mul(lData.price)
-		totalBorrowedUSDAmount = totalBorrowedUSDAmount.Add(usdValue)
-	}
-
-	// Validate that the proposed borrow's USD value is within user's borrowable limit
-	if totalBorrowedUSDAmount.LTE(totalBorrowableUSDAmount) {
-		return false, sdkerrors.Wrapf(types.ErrBorrowNotLiquidatable, "borrowed %s <= borrowable %s", totalBorrowedUSDAmount, totalBorrowableUSDAmount)
+	if isWithinRange {
+		return false, sdkerrors.Wrapf(types.ErrBorrowNotLiquidatable, "position is within valid LTV range")
 	}
 
 	// Sending coins to auction module with keeper address getting % of the profits
-	err = k.SeizeDeposits(ctx, keeper, liqMap, deposit, borrows.Amount, depositDenoms, borrowDenoms)
+	borrowDenoms := getDenoms(borrow.Amount)
+	depositDenoms := getDenoms(deposit.Amount)
+	err = k.SeizeDeposits(ctx, keeper, deposit, borrow, depositDenoms, borrowDenoms)
 	if err != nil {
 		return false, err
 	}
@@ -112,7 +77,6 @@ func (k Keeper) AttemptKeeperLiquidation(ctx sdk.Context, keeper sdk.AccAddress,
 	}
 	k.RemoveFromLtvIndex(ctx, currLtv, borrower)
 
-	borrow, _ := k.GetBorrow(ctx, borrower)
 	k.DeleteBorrow(ctx, borrow)
 	k.DeleteDeposit(ctx, deposit)
 
@@ -120,8 +84,12 @@ func (k Keeper) AttemptKeeperLiquidation(ctx sdk.Context, keeper sdk.AccAddress,
 }
 
 // SeizeDeposits seizes a list of deposits and sends them to auction
-func (k Keeper) SeizeDeposits(ctx sdk.Context, keeper sdk.AccAddress, liqMap map[string]LiqData,
-	deposit types.Deposit, borrowBalances sdk.Coins, dDenoms, bDenoms []string) error {
+func (k Keeper) SeizeDeposits(ctx sdk.Context, keeper sdk.AccAddress, deposit types.Deposit,
+	borrow types.Borrow, dDenoms, bDenoms []string) error {
+	liqMap, err := k.LoadLiquidationData(ctx, deposit, borrow)
+	if err != nil {
+		return err
+	}
 
 	// Seize % of every deposit and send to the keeper
 	aucDeposits := sdk.Coins{}
@@ -158,7 +126,7 @@ func (k Keeper) SeizeDeposits(ctx sdk.Context, keeper sdk.AccAddress, liqMap map
 
 	// Build valuation map to hold borrow coin USD valuations
 	borrowCoinValues := types.NewValuationMap()
-	for _, bCoin := range borrowBalances {
+	for _, bCoin := range borrow.Amount {
 		bData := liqMap[bCoin.Denom]
 		bCoinUsdValue := sdk.NewDecFromInt(bCoin.Amount).Quo(sdk.NewDecFromInt(bData.conversionFactor)).Mul(bData.price)
 		borrowCoinValues.Increment(bCoin.Denom, bCoinUsdValue)
@@ -167,7 +135,7 @@ func (k Keeper) SeizeDeposits(ctx sdk.Context, keeper sdk.AccAddress, liqMap map
 	// Loan-to-Value ratio after sending keeper their reward
 	ltv := borrowCoinValues.Sum().Quo(depositCoinValues.Sum())
 
-	err := k.StartAuctions(ctx, deposit.Depositor, borrowBalances, aucDeposits, depositCoinValues, borrowCoinValues, ltv, liqMap)
+	err = k.StartAuctions(ctx, deposit.Depositor, borrow.Amount, aucDeposits, depositCoinValues, borrowCoinValues, ltv, liqMap)
 	if err != nil {
 		return err
 	}
@@ -276,68 +244,36 @@ func (k Keeper) StartAuctions(ctx sdk.Context, borrower sdk.AccAddress, borrows,
 	return nil
 }
 
-// GetStoreLTV calculates the user's current LTV based on their deposits/borrows in the store
-// and does not include any outsanding interest.
-func (k Keeper) GetStoreLTV(ctx sdk.Context, addr sdk.AccAddress) (sdk.Dec, bool, error) {
-	// Fetch deposits and parse coin denoms
-	deposit, found := k.GetDeposit(ctx, addr)
-	if !found {
-		return sdk.ZeroDec(), false, nil
+// IsWithinValidLtvRange compares a borrow and deposit to see if it's within a valid LTV range at current prices
+func (k Keeper) IsWithinValidLtvRange(ctx sdk.Context, deposit types.Deposit, borrow types.Borrow) (bool, error) {
+	liqMap, err := k.LoadLiquidationData(ctx, deposit, borrow)
+	if err != nil {
+		return false, err
 	}
-	depositDenoms := []string{}
+
+	totalBorrowableUSDAmount := sdk.ZeroDec()
+	totalDepositedUSDAmount := sdk.ZeroDec()
 	for _, depCoin := range deposit.Amount {
-		depositDenoms = append(depositDenoms, depCoin.Denom)
+		lData := liqMap[depCoin.Denom]
+		usdValue := sdk.NewDecFromInt(depCoin.Amount).Quo(sdk.NewDecFromInt(lData.conversionFactor)).Mul(lData.price)
+		totalDepositedUSDAmount = totalDepositedUSDAmount.Add(usdValue)
+		borrowableUSDAmountForDeposit := usdValue.Mul(lData.ltv)
+		totalBorrowableUSDAmount = totalBorrowableUSDAmount.Add(borrowableUSDAmountForDeposit)
 	}
 
-	// Fetch borrow balances and parse coin denoms
-	borrows, found := k.GetBorrow(ctx, addr)
-	if !found {
-		return sdk.ZeroDec(), false, nil
-	}
-	borrowDenoms := getDenoms(borrows.Amount)
-
-	liqMap := make(map[string]LiqData)
-
-	// Load required liquidation data for every deposit/borrow denom
-	denoms := removeDuplicates(borrowDenoms, depositDenoms)
-	for _, denom := range denoms {
-		mm, found := k.GetMoneyMarket(ctx, denom)
-		if !found {
-			return sdk.ZeroDec(), false, sdkerrors.Wrapf(types.ErrMarketNotFound, "no market found for denom %s", denom)
-		}
-
-		priceData, err := k.pricefeedKeeper.GetCurrentPrice(ctx, mm.SpotMarketID)
-		if err != nil {
-			return sdk.ZeroDec(), false, err
-		}
-
-		liqMap[denom] = LiqData{priceData.Price, mm.BorrowLimit.LoanToValue, mm.ConversionFactor}
+	totalBorrowedUSDAmount := sdk.ZeroDec()
+	for _, coin := range borrow.Amount {
+		lData := liqMap[coin.Denom]
+		usdValue := sdk.NewDecFromInt(coin.Amount).Quo(sdk.NewDecFromInt(lData.conversionFactor)).Mul(lData.price)
+		totalBorrowedUSDAmount = totalBorrowedUSDAmount.Add(usdValue)
 	}
 
-	// Build valuation map to hold deposit coin USD valuations
-	depositCoinValues := types.NewValuationMap()
-	for _, depCoin := range deposit.Amount {
-		dData := liqMap[depCoin.Denom]
-		dCoinUsdValue := sdk.NewDecFromInt(depCoin.Amount).Quo(sdk.NewDecFromInt(dData.conversionFactor)).Mul(dData.price)
-		depositCoinValues.Increment(depCoin.Denom, dCoinUsdValue)
+	// Check if the user's has borrowed more than they're allowed to
+	if totalBorrowedUSDAmount.GT(totalBorrowableUSDAmount) {
+		return false, nil
 	}
 
-	// Build valuation map to hold borrow coin USD valuations
-	borrowCoinValues := types.NewValuationMap()
-	for _, bCoin := range borrows.Amount {
-		bData := liqMap[bCoin.Denom]
-		bCoinUsdValue := sdk.NewDecFromInt(bCoin.Amount).Quo(sdk.NewDecFromInt(bData.conversionFactor)).Mul(bData.price)
-		borrowCoinValues.Increment(bCoin.Denom, bCoinUsdValue)
-	}
-
-	// User doesn't have any deposits, catch divide by 0 error
-	sumDeposits := depositCoinValues.Sum()
-	if sumDeposits.Equal(sdk.ZeroDec()) {
-		return sdk.ZeroDec(), false, nil
-	}
-
-	// Loan-to-Value ratio
-	return borrowCoinValues.Sum().Quo(sumDeposits), true, nil
+	return true, nil
 }
 
 // UpdateItemInLtvIndex updates the key a borrower's address is stored under in the LTV index
@@ -357,6 +293,86 @@ func (k Keeper) UpdateItemInLtvIndex(ctx sdk.Context, prevLtv sdk.Dec,
 	return nil
 }
 
+// GetStoreLTV calculates the user's current LTV based on their deposits/borrows in the store
+// and does not include any outsanding interest.
+func (k Keeper) GetStoreLTV(ctx sdk.Context, addr sdk.AccAddress) (sdk.Dec, bool, error) {
+	// Fetch deposits and parse coin denoms
+	deposit, found := k.GetDeposit(ctx, addr)
+	if !found {
+		return sdk.ZeroDec(), false, nil
+	}
+
+	// Fetch borrow balances and parse coin denoms
+	borrow, found := k.GetBorrow(ctx, addr)
+	if !found {
+		return sdk.ZeroDec(), false, nil
+	}
+
+	return k.CalculateLtv(ctx, deposit, borrow)
+}
+
+// CalculateLtv calculates the potential LTV given a user's deposits and borrows.
+// The boolean returned indicates if the LTV should be added to the store's LTV index.
+func (k Keeper) CalculateLtv(ctx sdk.Context, deposit types.Deposit, borrow types.Borrow) (sdk.Dec, bool, error) {
+	// Load required liquidation data for every deposit/borrow denom
+	liqMap, err := k.LoadLiquidationData(ctx, deposit, borrow)
+	if err != nil {
+		return sdk.ZeroDec(), false, nil
+	}
+
+	// Build valuation map to hold deposit coin USD valuations
+	depositCoinValues := types.NewValuationMap()
+	for _, depCoin := range deposit.Amount {
+		dData := liqMap[depCoin.Denom]
+		dCoinUsdValue := sdk.NewDecFromInt(depCoin.Amount).Quo(sdk.NewDecFromInt(dData.conversionFactor)).Mul(dData.price)
+		depositCoinValues.Increment(depCoin.Denom, dCoinUsdValue)
+	}
+
+	// Build valuation map to hold borrow coin USD valuations
+	borrowCoinValues := types.NewValuationMap()
+	for _, bCoin := range borrow.Amount {
+		bData := liqMap[bCoin.Denom]
+		bCoinUsdValue := sdk.NewDecFromInt(bCoin.Amount).Quo(sdk.NewDecFromInt(bData.conversionFactor)).Mul(bData.price)
+		borrowCoinValues.Increment(bCoin.Denom, bCoinUsdValue)
+	}
+
+	// User doesn't have any deposits, catch divide by 0 error
+	sumDeposits := depositCoinValues.Sum()
+	if sumDeposits.Equal(sdk.ZeroDec()) {
+		return sdk.ZeroDec(), false, nil
+	}
+
+	// Loan-to-Value ratio
+	return borrowCoinValues.Sum().Quo(sumDeposits), true, nil
+}
+
+// LoadLiquidationData returns liquidation data, deposit, borrow
+func (k Keeper) LoadLiquidationData(ctx sdk.Context, deposit types.Deposit, borrow types.Borrow) (map[string]LiqData, error) {
+	liqMap := make(map[string]LiqData)
+
+	borrowDenoms := getDenoms(borrow.Amount)
+	depositDenoms := getDenoms(deposit.Amount)
+	denoms := removeDuplicates(borrowDenoms, depositDenoms)
+
+	// Load required liquidation data for every deposit/borrow denom
+	for _, denom := range denoms {
+		mm, found := k.GetMoneyMarket(ctx, denom)
+		if !found {
+			return liqMap, sdkerrors.Wrapf(types.ErrMarketNotFound, "no market found for denom %s", denom)
+
+		}
+
+		priceData, err := k.pricefeedKeeper.GetCurrentPrice(ctx, mm.SpotMarketID)
+		if err != nil {
+			return liqMap, err
+		}
+
+		liqMap[denom] = LiqData{priceData.Price, mm.BorrowLimit.LoanToValue, mm.ConversionFactor}
+	}
+
+	return liqMap, nil
+}
+
 func getDenoms(coins sdk.Coins) []string {
 	denoms := []string{}
 	for _, coin := range coins {
diff --git a/x/hard/keeper/liquidation_test.go b/x/hard/keeper/liquidation_test.go
index db8e2f6d..8db6f226 100644
--- a/x/hard/keeper/liquidation_test.go
+++ b/x/hard/keeper/liquidation_test.go
@@ -412,7 +412,7 @@ func (suite *KeeperTestSuite) TestFullIndexLiquidation() {
 							MaxEndTime:      endTime,
 						},
 						CorrespondingDebt: sdk.NewInt64Coin("debt", 0),
-						MaxBid:            sdk.NewInt64Coin("ukava", 8013492), // TODO: why isn't this 8004766
+						MaxBid:            sdk.NewInt64Coin("ukava", 8013492),
 						LotReturns:        lotReturns,
 					},
 				},
@@ -449,7 +449,7 @@ func (suite *KeeperTestSuite) TestFullIndexLiquidation() {
 							MaxEndTime:      endTime,
 						},
 						CorrespondingDebt: sdk.NewInt64Coin("debt", 0),
-						MaxBid:            sdk.NewInt64Coin("ukava", 8014873), // TODO: Why isn't this 8013492
+						MaxBid:            sdk.NewInt64Coin("ukava", 8014873),
 						LotReturns:        otherBorrower3LotReturns,
 					},
 					auctypes.CollateralAuction{