Custom home builders

Accounting for Florida Custom Home Builders

Job costing by project, phase, and cost code, client draws, and selections tracked against the build — so you can see what each home is making before you turn the keys.

What we handle

Built Around How a Custom Build Actually Books Work

The pieces a custom home builder lives and dies on, kept current all year instead of pieced together at tax time.

  • Job Costing by Project, Phase & Cost Code

    Every cost tied to the home and the phase it belongs to. Site work, structure, MEP, and finish track separately, so you can see where a build slipped instead of staring at one company total.

  • Subcontractor and 1099 Tracking, Done Right All Year

    W-9s collected before a sub gets paid, payments tracked as they go out, and 1099s that aren't a January scramble. 1099 reporting rules change, and we keep you on the right side of them.

  • Selections, Change Orders & WIP Reporting

    Upgrades and change orders tied to the job they belong on, with work in progress and billing position on every open build. You see which homes you've billed ahead of and which are carrying cost you haven't invoiced.

  • Client Draw & Progress Billing Support

    Draws tied to construction progress and the contract, so billing goes out clean and matches where the build actually stands. Fewer questions from the client or lender, faster money in the door.

  • Tax Planning and Preparation Under One Team

    The people who keep your books are the ones who file your return. Equipment timing, entity setup, and Section 179 get planned against your actual year, not guessed at in April.

Why it matters

Custom Builds Live or Die on Job-Level Numbers

When several homes run at once, the company P&L hides as much as it shows. The detail you need sits at the project and phase level.

Run everything through one bottom line and a home that's underwater can stay invisible for months. Bill ahead of where the work actually is and that over-billing pads revenue while a different job quietly runs over on selections nobody tracked. Job-cost and profit reporting puts costs against the project that incurred them, so a thin build shows up while it's still open and you can still do something about it.

Selections and change orders are where margin quietly walks out. A kitchen upgrade, a structural change mid-build, an allowance the client blew through — if those costs don't land on the right job and phase, your estimate was fiction before framing was done. Tracked as you go, you know whether the contract still works.

Multiple builds also mean multiple draw schedules and cash timing that rarely line up with payroll and material buys. A profitable builder can still run short on cash between client draws. We map what's coming in against subs, payroll, and material buys so a slow draw doesn't catch you flat. See cash flow planning for how that side fits.

Who we work with

Who This Is a Good Fit For

Custom home builder accounting earns its keep once you're running enough work that the company total stops telling you anything useful.

  • You build custom or semi-custom homes in Florida and take projects from contract through closeout.
  • You've got multiple projects and phases running at once and need margin by job, not one blended P&L.
  • You lean on subs and 1099s and want W-9s and payments tracked before year-end.
  • You run selections and change orders that need to stay tied to the home they belong on.
  • You bill on client draws or progress milestones and want WIP tied to percent complete.
  • You want cash planning and tax under one team that knows construction books.

Is every home actually in the black?

That's okay. You might just want to ask a few questions first and see if this makes sense. Book a quick call and we'll talk through your business and where the books stand. If we can help, we'll tell you what that looks like. If not, no worries.

We're accountants, not salespeople, so you won't feel pressured.

Book a free consultation

Get started

Built for How Custom Builds Run

A free 30-minute consultation with Ian. Bring a project or two and we'll show you what phase-level job costing and WIP would look like for your business. No pressure to sign up.

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