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⚠ CRITICAL: BankPlus Loan Matures June 14, 2026 — 25 Days Remaining

Loan balance: $3,405,210 at 3.95% fixed  |  Maturity date: June 14, 2026  |  No refinancing reference found in financial packet.
THIS IS THE #1 PRIORITY FOR THIS ASSET. Failure to execute a refinance or extension will result in default on June 14, 2026.

IMMEDIATE ACTION REQUIRED

Safe Space Storage — 920 N. Valley Mills Dr

Waco, TX  |  Reporting Period: April 2026
81.7% Occupancy — Declining Peak: 87.1% Jul 2025  |  Revenue: +4.8% vs budget
Physical Occupancy
81.7%
Down from 85.3% in March — worst April since Sep 2025
Occupied / Total Units
416 / 509
71 vacant  |  22 unaccounted
Area Occupancy
86.3%
Larger units filling well
Economic Occupancy
89.1%
Above physical — strong rate performance
April Revenue
$60,942
Budget $58,176  |  +$2,766 (+4.8%)
April Net Absorption
–13 units
13 move-ins, 26 move-outs — worst since Sep 2025
April NOI
$27,382
Budget $29,514  |  –$2,132 (–7.2%)
YTD NOI (Jan–Apr)
$72,457
Budget $106,149  |  –$33,692 (–31.7%)
YTD Net Income
$10,279
Budget $57,299  |  –82%
YTD Payroll + Benefits
$40,303
Budget $25,136  |  +$15,167 (+60%)
April G&A
$5,033
Budget $1,663  |  +$3,370 (+203%)
Total AR (29 units)
$6,496
12.9% of GPR  |  27 overlocked

Critical Alerts

#1 PRIORITY — BankPlus Loan Maturity June 14, 2026 (25 Days): $3,405,210 at 3.95% fixed. No refinancing activity referenced in financial packet. Contact lender immediately to confirm extension or begin emergency refi process. Default on this date is not recoverable.
Drive-Up 8x20 at 15% Occupancy: Only 3 of 20 units occupied. VACC = ~$1,683/month. Targeted rate reduction or dedicated marketing campaign required immediately.
April Net Absorption –13 Units: Worst month since September 2025. Same-month student pricing activation on 4/1/2026 may be masking a structural issue. Monitor May closely but do not wait to respond.
On-Site Payroll 60% Over Budget YTD: $40,303 vs $25,136 budget (+$15,167). This is the primary NOI drag on an otherwise revenue-positive asset. Requires immediate management review and justification.
April G&A +203% Over Budget: $5,033 vs $1,663 budget in a single month. Itemized breakdown required. Determine if one-time or structural.
32 Units Paying >50% Below Street Rate: Legacy pricing creating revenue leakage. Execute rate increase or vacate notices. Do not allow these tenants to subsidize operations indefinitely.

Action Items

CRITICAL
BankPlus Loan — June 14 Maturity: Contact BankPlus relationship manager TODAY. Request 12-month extension or begin emergency refinance process. Brief ownership this week. Engage capital markets advisor if needed. Track daily.
CRITICAL
Drive-Up 8x20 Campaign: 17 of 20 vacant. Reduce street rate and launch Google/Facebook ads targeting moving households and contractors. Offer first-month-free promotion. Goal: 10+ units leased by June 30.
HIGH
Payroll Audit: $40,303 YTD vs $25,136 budget. Obtain itemized payroll by employee and role. Determine if staffing levels are appropriate or if overstaffing occurred. Present to ownership by May 28.
HIGH
G&A Audit — April $5,033: Request itemized G&A detail for April. Identify one-time vs. recurring items. If structural, reset budget expectations and identify cuts.
HIGH
Collections — Lien/Auction Eligible: Units 1078 (Donaldson, 1/31 last payment), 1020 (Justice, 2/28), 1048 (Robinson, 2/28), 1069 (Petty, 2/28) — all eligible for lien notice or auction under TX law. Issue notices this week.
HIGH
32 Units >50% Below Street Rate: Pull list by unit, current rate, and street rate. Issue 30-day rate increase notices to all 32 units. Track responses and prepare to re-lease if tenants vacate.
HIGH
RV/Parking at 42.1%: 11 of 19 spaces vacant. Review competitor pricing for outdoor storage in Waco. Reduce street rate or launch local advertising. Goal: 15 of 19 spaces filled by July.
MEDIUM
Student Pricing Monitoring: New program activated April 1. Lease-up typically lags 30–60 days. Track May move-ins vs. April baseline to determine whether absorption recovers. Set May 31 checkpoint.
MEDIUM
27 Overlocked Units: Review collection posture for each. Set 30-day resolution deadline. Escalate 90+ day accounts to auction timeline immediately.

Unit Type Occupancy — April 2026

Unit Type Total Occ Vac Occ % VACC / Mo Flag
Drive-Up 8×202031715.0%~$1,683CRITICAL
RV / Outdoor Parking1981142.1%~$693CRITICAL
Inside 5×52618869.2%~$320Attention
Inside 5×1575271.4%Attention
Inside Prem 10×201613381.3%Watch
Inside 10×2554180.0%Monitor
Inside 10×579671284.8%OK
Inside 10×156762492.5%Healthy
Inside 10×10145136993.8%Healthy
Inside 10×206360295.2%Healthy
Inside Prem 10×30440100%Full
Office Warehouse110100%Full
TOTAL / BLENDED5094167181.7%

Collections Watch List — April 2026

UnitSizeTenantBalancePaid ThroughDays Past DueAction
107810×10Donaldson, Connie$360.001/31/202691+ daysAUCTION / LIEN
102010×15Justice, Wilma$593.802/28/202661–90 daysLIEN NOTICE
10485×15Robinson, Laquita$439.002/28/202661–90 daysLIEN NOTICE
106910×20PETTY, FELICIA$435.802/28/202661–90 daysLIEN NOTICE
113910×5Romero, Angela$237.003/31/202631–60 daysCALL / OVERLOCK
109110×15Smith, Allen L$264.103/31/202631–60 daysCALL / OVERLOCK
Total AR: $6,496 across 29 units (12.9% of GPR). Target: <5%. 27 units currently overlocked. All 91+ day accounts must enter auction process immediately under TX law.

Financial Summary — April 2026

MetricActualBudgetVarianceStatus
April Revenue$60,942$58,176+$2,766 (+4.8%)Favorable
Payroll (April)$8,247$6,284+$1,963 (+31.2%)Over
G&A (April)$5,033$1,663+$3,370 (+203%)Over
Controllable Expense Overrun+$3,701+24.8%Over
April NOI$27,382$29,514–$2,132 (–7.2%)Miss
YTD NOI (Jan–Apr)$72,457$106,149–$33,692 (–31.7%)Miss
YTD Net Income$10,279$57,299–$47,020 (–82%)Miss
YTD Payroll + Benefits$40,303$25,136+$15,167 (+60%)Over
YTD Bad Debt$4,626$6,856–$2,230 favorableFavorable
Units Above Street Rate (228)55%Legacy Premium
Units Below Street Rate (147)35%Rate Push Needed
Units >50% Below Street (32)8%Immediate Action