Monthly financial review — July 2026

Riverstone Property Management LLC · Finger Lakes short-term rentals · 34 properties

All 10 source checks passed Bookkeeper packet received Aug 14 · report sent Aug 20, 8:00 AM

Net income

$39,130

from −$7,730 in June

Revenue

$162,550

▲ 164.7% month over month

Operating cash

$84,300

▼ 14.2% · 1.2 months of runway

OpEx ÷ gross profit

63.9%

over your 60% target

Flagged for your accountant

Two things we could not tie out

Generated by the reconciliation pass, before any analysis ran. Copy and send.

Management commission is off by 12.2%

The reservation system implies $99,180 of commission for July at contracted rates. The P&L reports $88,410. A gap of $10,770 — over the 10% tolerance.

“Can you walk me through July management commission? Our reservation data implies $99,180 at contracted rates but the statement shows $88,410. Is a property billed at the wrong rate, or is part of it sitting in a different account?”

Two loss months were printed as blank

April and June 2026 show a dash rather than a negative number in the net income row. Both were operating losses. We recomputed them — June net income was −$7,730.

“April and June print as a dash in the net income row. Those are loss months — can the statement show negatives so they don't read as zero?”

Where the money went

July 2026 · company profit and loss

Money in / result Money out

Net income is after $1,180 of vehicle lease expense recorded below net operating income. Hover any bar for detail.

What the $162,550 is made of

Six revenue lines · commission is a little over half the business

Shares rounded to one decimal.

Biggest expense movers

Ranked by dollar increase versus June

Bar length is the dollar increase; the percentage is beside it. Advertising alone is 11.5% of gross profit against a 5–7% target — the single largest reason the OpEx ratio missed.

Cash — two buckets, never one number

The rule this business lives or dies by, encoded once

YOUR MONEY · operating account

$84,300

▼ 14.2% vs June · 1.2 months of operating expenses

NOT YOUR MONEY · client funds held in trust

$396,480

▲ 41.8% vs June · owed to 34 property owners

These are never added together. The combined figure — $480,780 — is the number that gets a business owner into trouble, and this report will not print it. $112,700 of the trust balance is a transfer owed to operating; $28,400 is tax owed.

Booked forward revenue

Cumulative gross already on the books, from the operating system — not the ledger

This is the half a bookkeeper never sees. The books are backward-looking; the pipeline is why a monthly review can end in a decision instead of a summary.

Where to spend next month

Ranked by dollars at stake. Every item names the rule that produced it.

Ask your numbers beta

Plain English. Every answer shows its math and cites the line it came from.

Try asking