Unlock Hidden Profit: Use Our Build-To-Sell Calculator for Preowned Spec Homes
- By Jim Blackburn
- on
- Tags: Calculators, New Construction, Spec Homes
Do you already own a property with tear-down potential?
You might be sitting on untapped equity—ready to transform into six-figure profit.
Our Build-To-Sell Preowned Spec Home Calculator is built specifically for owners of existing homes who are considering a teardown, rebuild, and resale strategy. Whether you inherited a home, bought years ago, or acquired it off-market—this tool shows you how to turn what you already own into a high-yield investment.
What This Calculator Does
This isn’t for brand-new acquisitions. It’s built for those who already own the property and want to evaluate the potential return on rebuilding it as a spec home.
Here’s what you can calculate in minutes:
- Total cash needed for construction and soft costs
- 12-month interest reserves (so you don’t pay during the build)
- Holding and exit costs
- Profit per partner, if you’re working with others
- Cash-on-cash ROI based on your original acquisition cost
- Monthly income required to qualify for a construction-to-perm loan
It’s a reality check for homeowners and investors ready to build—not just dream.
Sample Deal Breakdown
Let’s say you already own a property purchased years ago for $500,000.
You estimate:
- $1,000,000 in hard construction costs
- $50,000 in soft costs (permits, architects, etc.)
- A $1,050,000 construction loan
- Sales price (ARV) of $3,700,000
- 12-month build time
You’re splitting the deal with four other partners
Here’s what your calculator result might look like:
- Total project cost: $3,178,835
- Cash out of pocket: $354,725
- Estimated profit before tax or exchange: $521,165
- Profit per partner (5 total): $104,233
- Cash-on-cash ROI: 146.9%
- Monthly qualifying income: $42,405
This is with no payments due during construction—interest is prepaid.
Why This Tool Is Essential for Preowned Projects
If you’ve already secured the dirt, you’re ahead of the game.
But many owners hesitate because they don’t know:
- How much cash they’ll need
- Whether the project will pencil out
- What a partner split might look like
- How to get qualified for financing
This calculator gives you a complete preview—so you can move forward with clarity, not guesswork.
Use the Calculator Now
Already have your numbers? Let’s book a call to run them together and explore your financing strategy.
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- 💡 Takes just 5 minutes
- 📊 Tailored results based on your answers
- 🔒 No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
- 💡 Only 2 minutes to complete
- 📊 Quick turnaround on pre-approval
- 🔒 No credit score impact
Got a Few Questions First?
Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.
