Executive Summary
2024 Baseline
$81,691
Normal operating year
2025 Revenue
$59,530
27% decline (disruption)
2026 Projected
$80,000
Expected recovery (anchor)
2026 Booked
$35,806
As of today
Historical Owner Contribution Context
2024 (Normal Year)
$31,099
2025 (Disrupted)
$46,312
2026 (Projected)
$25,000-$35,000
Owner contribution is normal even in strong years due to fixed cost structure. Annual expenses run $115,000-$120,000.
Recommended Q1 Cash Infusion Strategy
Rather than managing contributions month-to-month, a single planned Q1 infusion provides clean, proactive support.
Recommended Q1 Infusion
$15,000-$18,000
One-time, January timing
This Covers
- • Q1 operating expenses
- • Spring property tax installment
- • Avoids reactive monthly transfers
✓ Summer performance (Jun-Aug) expected to materially offset early-year support
Urban Oasis
1380 McKinley Ave, Des Moines, IA 50315
Legal Entity
UO Investment LLC
EIN
93-2621017
Mailing Address
12119 Stratford Drive, Suite B, Clive, IA 50325
Estimated Value
$540,000
Purchased: $532,500
Mortgage Balance
$519,833
People's Bank • 6.75%
Equity Position
$20,167
3.7% of property value
Loan-to-Value
96.3%
Current LTV ratio
Lender
People's Bank
Account Number
x4088
Interest Rate
6.75%
Date Opened
08/25/2023
Routing Number
073922681
Payoff Amount
$526,103.49
Monthly Payment
$3,753.44
Annual Payment
$45,041.28
Next Due Date
02/01/2026
Last Payment
01/02/2026
2025 Interest Paid
$35,864.81
2026 YTD Interest
$3,122.78
Property Financial Position
The property maintains a strong financial position with $20,167 in equity (3.7% ownership). With a 6.75% interest rate, annual mortgage payments total $45,041.28, representing a significant portion of operating expenses. The loan-to-value ratio of 96.3% indicates minimal equity buildup since purchase, emphasizing the importance of rental income to cover carrying costs.
Booking Calendar
January 2026
Booking status and availability
Booked Nights
14
Available Nights
17
Occupancy Rate
45%
Current Revenue
$2,256
17 nights still available
Based on $250 average nightly rate
2026 Financial Roadmap
2026 Financial Timeline
Key milestones and cash flow events throughout the year
Q1 Cash Infusion
Q1January
Planned owner contribution to support Q1 operations
Spring Property Tax
Q1March
Property tax installment due
Q2 Transition Period
Q2April-May
Booking momentum building toward summer
Summer Cash Generation
Q2-Q3June-August
Peak season with strong positive cash flow
Fall Stability Period
Q3-Q4September-November
Operations sustained by summer surplus
Year-End Position
Q4December
Recovery year complete with improved position
Recovery Strategy & Outlook
Disruption Resolved
Bedbug incident fully addressed, property operational
Healthy Booking Momentum
21 bookings confirmed, peak season nearly sold out
Platform Recovery
Rebuilding review volume and algorithm trust
Q1: Supported & Stable
Planned infusion carries through spring
Summer: Cash Positive
Strong months rebuild reserves, cover insurance & taxes
Fall: Stable if Planned
Summer surplus reserved for fall operations
Bottom Line
2025 was an operational exception, not a trend
2026 bookings show real recovery momentum
Owner support expected but materially lower than 2025
Single Q1 infusion is the cleanest approach
This dashboard reflects data as of January 13, 2026. For questions or detailed breakdowns, please contact your property manager.