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Spec Home Construction

Does the spec pencil?

Buy the lot, build the home, sell it — margin and velocity in one view.

Lot, hard and soft costs, a construction loan that funds the lot day one and draws as you build, then the sale — net profit, margin on price, annualized ROI, and cost/SF vs. price/SF.

Net Profit
$142k
Healthy Margin
Margin on Price
10.4%
Annualized ROI
62%
Cost / SF
$354
Where the Money Goes
LotHard CostsSoft + ContingencyOverhead & Carry
Calculates:Net profitMargin on sale priceAnnualized ROILevered & unlevered IRRCost/SF vs price/SFCash invested
Watch it in action

This is Roof Rise, live

Splitting a deal with partners
< 2 min
to underwrite a deal
Zero
broken formulas to debug
1 click
to a branded one-pager

Stop wrestling spreadsheets

Same answer, a fraction of the time — and the math is always right.
Build it yourself
Hours building a spec home pro-forma with a cost curve, construction loan draws, capitalized interest, and a sale from a blank sheet
One wrong formula and every number downstream is off
Re-do the whole thing every time an assumption changes
No charts, and nothing clean to hand a lender or partner
Use Roof Rise
Open the calculator and type in your numbers
Audited formulas — the math is always right
Change any input and everything recalculates instantly
Charts built in, plus a one-page PDF to send anyone

How it works

Three steps, start to investor-ready.
1
Enter your numbers
Purchase price, financing, income and costs — in plain fields, no formulas.
2
See your returns
Net profit, Margin on sale price, Annualized ROI and more, recalculated the instant you type.
3
Save, compare & export
Snapshot scenarios, compare them side-by-side, and download a branded one-pager.

What you get

Everything you need to make the call with confidence.
Margin on price
The builder convention — profit as a share of the sale price, with margin on cost beside it.
Real construction financing
The loan funds the lot at closing and draws on your cost curve; interest accrues only on the drawn balance until the sale repays it.
Velocity metrics
Annualized ROI and IRR — because a 12% margin in 11 months beats the same margin in 18.
Builder overhead included
Allocate your G&A to the project so the margin you see is the margin you keep.
Home BuildingSingle Family

Common questions

Straight answers about the Spec Home Construction calculator.

What does the Spec Home Construction calculator do?

Lot, hard and soft costs, a construction loan that funds the lot day one and draws as you build, then the sale — net profit, margin on price, annualized ROI, and cost/SF vs. price/SF.

What does the Spec Home Construction calculator compute?

It calculates Net profit, Margin on sale price, Annualized ROI, Levered & unlevered IRR, Cost/SF vs price/SF, Cash invested — recalculated instantly as you change any input.

Is the Spec Home Construction calculator free?

The Spec Home Construction calculator is part of Roof Rise Pro ($19/month, or $14/month billed annually). Every paid plan starts with a 14-day free trial, and three calculators (Mortgage, 70% Rule, and Quick Metrics) are free forever.

What spreadsheet does it replace?

It replaces a spec home pro-forma with a cost curve, construction loan draws, capitalized interest, and a sale — with audited formulas, built-in charts, saved scenarios, and a one-click branded PDF report.

One subscription. Every strategy.

Twenty-two calculators, a 14-day free trial, and your money back in your pocket — not in a spreadsheet.

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