Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

BUILDING LUXURY HOMES: How to FUND 75% with DEBT! #shorts

28 Jun 2026 · 1 min

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Tommy Dobczyk walks through how a Calgary luxury home builder funds a project with 75% debt at 11% interest and 25% equity earning 8% guaranteed returns. The loan uses draw-based repayments, so the builder only pays interest on money actually spent during construction, not the full amount upfront.

Chapters

Chris is from Calgary. He's a luxury home builder. And we're currently raising him 75% debt, 25% equity on his luxury home models. So when he builds a luxury home, we're raising most of his capital through debt. We're charging him 11% and paying guaranteed 8% to the investor. So, and then we're also setting it up in draws. So he's not paying a full— he's only paying on principal borrow. He's not paying on the entire thing. By the time he's done with the project, he'll have $4.5 million in debt, and then we'll have 100 or 1 point— what is it? $1.7 million in equity for him.