Update app.py

app.py

@@ -326,7 +326,7 @@ def predict_single(
     # --- Compute derived feature LTV ---
     la = safe_float(loan_amount)
     pv = safe_float(property_value)
-    ltv = np.nan if (pv is None or pv == 0 or np.isnan(pv)) else (la / pv)*100
+    ltv = 0 if (pv is None or pv == 0 or np.isnan(pv)) else (la / pv) * 100
 
     input_dict = {
         "loan_limit": [loan_limit],