Arctic-blue fintech view of staged draws, collateral coverage, and build-to-payoff economics — 15% construction interest (drawn capital only) + time-weighted 5% exit premium (APR) due at payoff.
3 properties in Cape Coral & Lehigh Acres, FL — Total Investment: $176,727
908 Capetown, Lehigh Acres
Initial Draw to take Project
$81,727
1247 Edna, Lehigh Acres
Initial Draw to take Project
$40,000
4603 Cape Coral
Initial Draw to take Project
$55,000
Total Investment
$176,727
3 properties combined
Properties
3
Cape Coral & Lehigh
Collateral Value
$390,000
Target at completion
Term
6 mo + 30d
Repay at completion + 30 days
OPM IRR
21.1%
Annualized (illustrative)
Three equal advances, completion at month 6, then payoff at month 7(completion + ~30 days). Payoff includes principal + accrued interest (drawn only) + a time-weighted 5% exit premium (APR) based on average outstanding capital.
Draw 1
$81,727
908 Capetown, Lehigh Acres
M0
Draw 2
$40,000
1247 Edna, Lehigh Acres
M2
Draw 3
$55,000
4603 Cape Coral
M4
Completion
Construction complete
All 3 properties
M6
Payoff
$191,454
Principal + Interest + Premium
M7
Draw Amount
$58,909
3 equal installments
Interest
15% APR
On drawn principal only
Exit Premium
$3,682
5% APR on outstanding (time-weighted)
Total Payoff
$191,454
At month 7
Interest and exit premium accrue on outstanding principal after each draw, continuing through the payoff lag. Table shows each monthly period and the accrual amounts.
| Period | Beginning | Draw | Ending | Interest | Exit Premium | Cum. Interest | Cum. Exit | OPM Cashflow |
|---|---|---|---|---|---|---|---|---|
| M0 → M1 | $0 | +$58,909 | $58,909 | $736 | $245 | $736 | $245 | ($58,909) |
| M1 → M2 | $58,909 | — | $58,909 | $736 | $245 | $1,473 | $491 | — |
| M2 → M3 | $58,909 | +$58,909 | $117,818 | $1,473 | $491 | $2,945 | $982 | ($58,909) |
| M3 → M4 | $117,818 | — | $117,818 | $1,473 | $491 | $4,418 | $1,473 | — |
| M4 → M5 | $117,818 | +$58,909 | $176,727 | $2,209 | $736 | $6,627 | $2,209 | ($58,909) |
| M5 → M6 | $176,727 | — | $176,727 | $2,209 | $736 | $8,836 | $2,945 | — |
| M6 → M7 | $176,727 | — | $176,727 | $2,209 | $736 | $11,045 | $3,682 | — |
| M7 Payoff | — | — | — | — | — | — | — | $191,454 |
Drawn capital steps up in three equal installments. Collateral value stays higher and builds to $390,000, then holds through payoff.
Construction Interest
15% APR
Accrues only on advanced capital
Exit Premium
5% APR (time-weighted)
Accrued, due at payoff
Repayment Trigger
Completion + 30 days
Principal + accrued + premium
Visual allocation of collateral value — lot, materials, labor, soft costs, and market cushion — totaling $390,000.
Illustrative payoff if repaid at payoff date (completion + ~30 days): principal + accrued 15% interest on drawn capital + time-weighted 5% exit premium (APR) on outstanding capital.
Accrued Interest
$11,045
15% APR on drawn principal only
Exit Premium
$3,682
5% APR, time-weighted on outstanding capital
Total Payoff
$191,454
Principal + interest + exit premium