Cash Flow + Construction Financing Model
Model your monthly draw schedule and calculate the true all-in project cost including construction loan interest.
Project Costs
Construction Loan
Project Cost (before financing)$5,570,000hard + soft + DCs + land
Construction Loan Interest$113,96618 mo at 7% · 2.0% of all-in cost
All-In Project Cost$5,683,966including construction financing
Cost Breakdown
Hard Construction
$3,000,000 (52.8%)
Soft Costs (15%)
$450,000 (7.9%)
Development Charges
$120,000 (2.1%)
Land Cost
$2,000,000 (35.2%)
Construction Loan Interest
$113,966 (2.0%)
All-In Project Cost$5,683,966
Monthly Draw Schedule
🔒 Export Excel
| Mo | Draw | Cum. Drawn | Monthly Interest | Cum. Interest | Balance |
|---|---|---|---|---|---|
| 1 | $14,150 | $14,150 | $83 | $83 | $14,232 |
| 2 | $11,195 | $25,345 | $148 | $231 | $25,576 |
| 3 | $19,862 | $45,208 | $265 | $496 | $45,703 |
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Interest calculated monthly on the outstanding drawn balance (compound). LTC ratio applies to hard construction costs only — soft costs, DCs, and land are assumed equity-funded. Draw schedules are approximations; actual construction draws depend on milestones and lender approval. LandVault estimates are for planning purposes only and do not constitute professional financial advice.