Ok one more shot at explaining this and then someone will have to jump in with a graph
Referring to above example with 50 mass eco. ^^^ We will disregard energy as 99% of the time you are +power.
You only have one t3 factory building percies with 24 t1 engies assisting. That totals to 49 mass consumed on 180 build power. This would be the equivalent of a t2 fac running along with a few t1 facs and something else building structures, pretty much a normal game situation. With the one mass expense though, we have consolidated it down to one easy to track number.
Then, you build a TML and let it load. Remember that before, you were +1 (49/50). Now you are -5, or 10% overdrawn. However, everything does not run at 90% efficiency. You have to remember that the TML only has 80 build power, whereas the unit building has 180 build power working on it, over double what the TML has. So in reality, the TML is only able to draw a tiny tiny amount of mass away from the mass intensive factory build. So, it takes a long time to load.
I don't think I can explain any clearer than this.... if you still don't get it go to the unit database with a calculator and start adding stuff together till you figure out how things are prioritized.
As to whether or not this is buggy behavior, the TML has to be limited in it's build power.... if it had so much build power that it could still build at a good rate in a -mass situation, when your eco was good it would be BLAZING, like a -25 draw and building a missile every few seconds. That would totally destroy your economy if you built more than one TML.