Prosynergy
Create Value to reduce suffering and restore human flourishing

April 2026 Portfolio Review

Enter your password to view the report.

Incorrect password. Please try again.
Prosynergy
Create Value to reduce suffering and restore human flourishing

April 2026 Insights

John Lapp — Consolidated Portfolio Review
Prepared by Tim · Prosynergy Bookkeeping
Consolidated Net Worth
$921,900
+$20,657 from March
Total Cash
$150K
Total Debt
$1.55M
YTD Net Income
$176K
April Revenue (All)
$132,623
↑ $30K from March
April Net Income
$3,568
↑ vs -$13K March
Publishing Profit YTD
$240K
77% of revenue → profit
Real Estate Loss YTD
-$21K
Properties still cash-negative

April was a stabilizing month — publishing income rebounded strongly, real estate turned its first positive month at Flat Top, but a $75K personal tax payment masked what was otherwise a healthy portfolio.

Publishing Is the Engine — And It's Humming

Gemeinde Brief and Plain Press combined for $102,757 in April revenue and $55,777 in net profit. Year-to-date, the two publishing companies have generated $240K in net income on $456K in revenue — a blended 53% profit margin. Gemeinde Brief's gross margins swing between 51% and 84% month to month depending on print runs, but the 4-month average is a healthy 65%. This is the profit core that funds everything else.

📌 Track print-run timing to smooth out the month-to-month swings. Consider whether March's -$14K loss at Plain Press (heavy COGS of $32K vs $31K revenue) signals a timing issue or a pricing problem on that run.

$441K in Intercompany Loans Need a Sustainability Plan

Gemeinde Brief has lent $227K to Sunset View, $156K to Flat Top, $3.5K to Plain Press, and $55K to John personally — $441K total. Meanwhile, Gemeinde itself is drawing on a $179K line of credit, which grew from $107K in January. In effect, the LOC is partially funding real estate operations through Gemeinde as a pass-through. If the publishing revenue cycle hits a rough stretch, this structure creates cascading liquidity risk across all entities.

📌 Model what happens if Gemeinde has two consecutive low-revenue months. Does the LOC have enough headroom? Consider a repayment schedule for the intercompany notes — even small monthly payments create discipline and reduce concentration.

Real Estate Is Turning a Corner — Slowly

Flat Top posted its first positive month ($3,596 net income) thanks to $8,704 in rental income from Browning St filling up. Sunset View nearly broke even at -$51 after a brutal -$7,498 loss in March. Together, the properties generated $16K in April revenue against $12.5K in expenses — but still carry $21K in YTD losses and $1.3M in combined external debt. The interest expense alone runs $6,353/month across both properties.

📌 April's improvement is real but fragile. Sunset View needs consistent $8K+/month in booking revenue to cover its $6K/month in fixed costs (interest + insurance + utilities). Track occupancy rate and average nightly rate as leading indicators.
Entity
Revenue
Net Inc.
YTD Net Inc.
Cash
Gemeinde Brief
Publishing
$58,456
$31,296
$114,647
$44,065
Plain Press
Publishing
$44,301
$24,481
$125,254
$56,905
Sunset View
Vacation Rental
$7,340
-$51
-$10,933
$10,424
Flat Top
Real Estate
$8,704
$3,596
-$9,671
$4,370
Personal
John Lapp
$13,823
-$55,754
-$42,915
$34,235
CONSOLIDATED
$132,623
$3,568
$176,382
$150,000
* Personal April net income includes $75,185 in tax payments. Excluding taxes, personal income was $12,013.

Gemeinde Brief Publishing

Line ItemJanFebMarApr4-Mo Avg
Revenue$33,157$89,582$50,278$58,456$57,868
COGS$16,332$13,979$24,603$16,128$17,761
Gross Profit$16,825$75,603$25,675$42,327$40,108
Gross Margin %50.7%84.4%51.1%72.4%64.6%
Operating Expenses$8,712$8,685$17,354$11,031$11,446
Net Income$8,113$66,917$8,321$31,296$28,662
Net Margin %24.5%74.7%16.6%53.5%42.3%

Plain Press LLC Publishing

Line ItemJanFebMarApr4-Mo Avg
Revenue$75,887$73,367$31,075$44,301$56,158
COGS$19,181$9,910$32,494$17,473$19,765
Gross Profit$56,706$63,456-$1,419$26,829$36,393
Gross Margin %74.7%86.5%-4.6%60.6%54.3%
Operating Expenses$4,426$542$13,003$2,348$5,080
Net Income$52,280$62,914-$14,422$24,481$31,313
Net Margin %68.9%85.8%-46.4%55.3%40.9%

Sunset View Retreat Vacation Rental

Line ItemJanFebMarApr4-Mo Avg
Revenue$8,343$3,921$8,728$7,340$7,083
Operating Expenses$7,554$8,093$16,226$7,391$9,816
Net Income$788-$4,172-$7,498-$51-$2,733
Net Margin %9.5%-106.4%-85.9%-0.7%-38.4%

Flat Top Properties Real Estate

Line ItemJanFebMarApr4-Mo Avg
Revenue$3,399$3,935$2,140$8,704$4,545
Interest Expense$4,199$3,920$3,626$3,948$3,923
Other Expenses$6,299$1,996$2,701$1,160$3,039
Net Income-$7,099-$1,980-$4,187$3,596-$2,418

John Lapp — Personal Personal

Line ItemJanFebMarApr4-Mo Avg
Income$17,830$5,800$10,220$13,823$11,918
Expenses (ex-tax)$6,748$137$5,919$1,809$3,653
Tax Payments$75,185$18,796
Net Income$11,075-$2,537$4,301-$55,754-$10,729
Feb includes $8,200 in "Ask John" items. Apr's loss is entirely the annual tax payment.
What This Means
Revenue In
$132,623 came in across all five entities — a strong rebound from March's $102K.
Production
$33,601 went to COGS (printing, postage, subcontractors) at the two publishing companies.
Operations
$24,918 covered operating expenses across all entities — rent, utilities, subscriptions, travel.
Tax Payment
$75,185 went to John's annual tax obligation — the single largest cash outflow this month.
Net Movement
After everything, total cash across all accounts grew by $36,106 — mostly from Gemeinde LOC draws and intercompany funding.
Source of Funds
Gemeinde Brief
LOC Balance: $179,250
Sunset View
N/P to Gemeinde
$226,673
Flat Top
N/P to Gemeinde
$156,000
John Personal
N/P to Gemeinde
$55,000
Plain Press
N/P to Gemeinde
$3,500
Total intercompany: $441,173
AccountEntityBalanceNote
BIH Checking 8561Gemeinde Brief$38,626Primary operating
BIH Checking 8587Plain Press$56,905Strongest cash position
Checking 732Sunset View$10,424~6 weeks of expenses
Checking 733Flat Top$4,370Thin — 1 month buffer
BIH Personal 5468John Personal$28,177Post-tax payment
A/R — GemeindeGemeinde Brief$14,33438% over 60 days
A/R — Plain PressPlain Press$3,174$985 over 60 days
LOC #5281Gemeinde Brief$179,250↑ $125K since Jan
Capital One CCGemeinde Brief$9,500
BOA CCSunset View$4,792
DSCR (Consolidated)
9.2x
Operating income covers debt service 9x over. Strong. (Excludes one-time tax.)
GB A/R DSO
7.4 days
Low DSO overall, but $5.4K sitting 60+ days. Collection on stale accounts needed.
LOC Utilization
↑ 67%
LOC grew from $107K → $179K in 4 months. Rate of draw worth watching.
Flat Top Equity
-$56K
Negative equity. Debt exceeds assets. Improving — was -$60K in March.

Before Next Month

The Event

Summer booking season begins at Sunset View Retreat. May–August historically drives the highest rental income and is the window where Sunset View needs to generate enough surplus to offset winter losses.

Estimated Impact

If Sunset View can hit $10K+/month in rental income (vs. the 4-month average of $7K), the entity could swing to $2K–$3K/month positive — generating $8K–$12K in summer surplus to cover winter shortfalls and begin paying down the $227K owed to Gemeinde Brief.

One Action Item

By May 15: Review Sunset View's booking calendar for May–August. If occupancy is below 60%, consider a targeted rate adjustment or promotion to fill gaps before the peak window closes.

How helpful was this month's review?

This report is prepared for informational purposes only based on data exported from QuickBooks Online. It does not constitute financial, tax, or legal advice. Prosynergy Bookkeeping is not a CPA firm. Consult your accountant or financial advisor before making business decisions.