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2026-06-FINANCIALS-approved - 85-104 Alawa Pl, Waianae, HI 96792.md

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85-104 Alawa Pl — Financial Summary **Property:** 85-104 Alawa Pl, Waianae, HI 96792 **Ticker:** LFTY0452 **Report Date:** April 1, 2026 **Data Sources:** Baselane GL (raw CSV), P&L xlsx files (2026-01, 2026-02), Cash Flow Statement 2025 --- ## Executive Summary **Total Cash Outflow (all-time):** ~$34,374 - Mortgage principal/interest: ~$30,574 net - Property taxes: ~$2,540 (2025 + Jan–Mar 2026) - Insurance: ~$1,267 (2025 + Jan–Mar 2026) **Key Finding:** The previously reported $54K mortgage f

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# 85-104 Alawa Pl — Financial Summary

**Property:** 85-104 Alawa Pl, Waianae, HI 96792  
**Ticker:** LFTY0452  
**Report Date:** April 1, 2026  
**Data Sources:** Baselane GL (raw CSV), P&L xlsx files (2026-01, 2026-02), Cash Flow Statement 2025

---

## Executive Summary

**Total Cash Outflow (all-time):** ~$34,374  
- Mortgage principal/interest: ~$30,574 net  
- Property taxes: ~$2,540 (2025 + Jan–Mar 2026)  
- Insurance: ~$1,267 (2025 + Jan–Mar 2026)  

**Key Finding:** The previously reported $54K mortgage figure included internal transfers and returned/declined payments. Actual cash outflow to LoanDepot is ~$30.5K.

---

## Mortgage Payments (LoanDepot)

| Period | Amount | Notes |
|--------|--------|-------|
| 2025 (annual) | ~$27,349 | ~$3,179–$3,293/month regular payments |
| Jan 2026 | $7,225.40 | Bulk payment — likely principal paydown |
| Feb 2026 | N/A | Not itemized in P&L (may be in Uncategorized) |
| Mar 2026 | $3,870.20 | Regular payment |
| **2026 YTD** | **$11,095.60** | |
| **2026 Projected** | **~$38,355** | Assuming ~$3,200/month + Jan bulk |

**Net Mortgage Paid (all-time):** ~$30,574

---

## Property Taxes (Escrowed via LoanDepot)

| Period | Amount | Notes |
|--------|--------|-------|
| 2025 | $141.56/month = **$1,698.72/year** | Escrowed |
| 2026 | $280.45/month = **$3,365.40/year** | Escrowed — **doubled** |
| 2026 YTD (Jan–Mar) | ~$840 | |
| **Total Taxes Paid (all-time)** | **~$2,540** | 2025 + Jan–Mar 2026 |

⚠️ **Flag:** Taxes doubled in 2026 — possible property reassessment.

---

## Insurance (Escrowed via LoanDepot)

| Period | Amount | Notes |
|--------|--------|-------|
| 2025 | $58.58/month = **$703/year** | Escrowed |
| 2026 | $187.88/month = **$2,254.56/year** | Escrowed — **tripled** |
| 2026 YTD (Jan–Mar) | ~$564 | |
| **Total Insurance Paid (all-time)** | **~$1,267** | 2025 + Jan–Mar 2026 |

⚠️ **Flag:** Insurance tripled in 2026 ($58 → $188/month).

---

## Escrow Summary

| Period | Monthly Escrow (Tax + Ins) | Annual Equivalent |
|--------|---------------------------|-------------------|
| 2025 | ~$200/month | ~$2,402/year |
| 2026 | ~$468/month | ~$5,620/year |

**Escrow increase:** +134% year-over-year

---

## Reconciled Totals (All-Time)

| Category | Amount |
|----------|--------|
| Mortgage Principal/Interest | ~$30,574 |
| Property Taxes | ~$2,540 |
| Insurance | ~$1,267 |
| **TOTAL** | **~$34,374** |

---

## Key Findings

1. **Taxes ARE escrowed** through LoanDepot — that's why they didn't appear as separate GL lines in the raw Baselane export.
2. **Insurance tripled** in 2026 ($58 → $188/month).
3. **Taxes doubled** in 2026 ($141 → $280/month) — possible property reassessment.
4. **$54K vs. $30K gap** was from counting internal transfers and returned/declined payments twice.
5. **Actual cash outflow** is ~$30.5K mortgage + ~$3.8K tax/insurance = **~$34.4K total**.

---

## Data Quality Notes

- P&L xlsx files parsed using openpyxl (linuxbrew Python 3.14)
- GL data from Baselane canonical ledger (CSV)
- Feb 2026 mortgage not itemized in P&L — may be included in "Uncategorized" (-$972.39)
- Sewer loan ($7K) not visible in this GL — may be serviced from separate account

---

**Prepared by:** Atlas Relay  
**Timestamp:** 2026-04-01 05:46 GMT+2

## Monthly Cash Position (2026-06)

| Metric | Amount | Source |
|---|---:|---|
| Lofty Operating Cash | $680.59 | Lofty `curr_maintenance_reserve` |
| ECO Operating Cash | $26,560.89 | ECO Systems General Ledger Column E (295 rows) |