SunCoast Home Watch

Words in [brackets] are blanks you fill in with your own details when you adopt this sample in Supreme Plan AI.

Executive Summary

SunCoast Home Watch is a home watch and property check service in Sarasota, Florida, owned by Linda and Frank Moreno. We visit vacant homes on a schedule, send written reports with photos, prepare homes for storms and handle arrival services for seasonal owners.

Why this fits. Many owners leave their Florida homes empty for months, and a leak or storm damage can go unnoticed. A bonded, thorough local service gives owners peace of mind and helps them catch problems early.

Here is what our numbers show. In Year 1 we plan about 600 home-months of regular visits, 300 storm checks and 500 arrival and concierge services. That brings in sales of $147,000, growing to $477,260 by Year 5. We expect a profit of about $23,000 in Year 1, a profit of about $38,100 in Year 2, a profit of about $56,000 in Year 3 and a profit of about $98,100 by Year 5. Watcher pay, the vehicle, insurance and bonding are our largest costs, and the plan counts all of them.

We need $38,000 in total. Of that, $19,000 is startup costs (a used SUV, tablets and lockboxes, licensing and insurance, flyers and a website), and the rest is cash for the first months. We are putting in $8,000 of our own savings and asking for a $30,000 SBA 7(a) loan.

We are Linda and Frank Moreno, owners of SunCoast Home Watch. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

SunCoast Home Watch will be a limited liability company (LLC) in Sarasota, Florida, owned and run by Linda and Frank Moreno. Linda has managed vacation properties for years and knows what homeowners worry about when they are away. Frank is a retired inspector who handles the visits.

What we do:
- Weekly or biweekly inspections of vacant homes with written reports.
- Storm preparation and post-storm checks.
- Arrival preparation such as turning on utilities and stocking groceries.
- Mail and package handling and coordination with vendors.
- Photo reports and alerts for problems.

Who we serve: Seasonal residents, second-home owners, landlords and snowbirds in the Sarasota area.

Licensing and insurance. We will register the LLC, carry general liability and bonding insurance and follow state rules for key handling and privacy. We keep a written key log and give owners a copy of our insurance and bond.

Our promise. Someone checks on your home every week, tells you the truth and handles problems quickly.

Where things stand today. The business plan, price list and inspection checklist are written. The next steps are the insurance and bond, the vehicle and the first customers.

Problem & Opportunity

Many owners leave their Florida homes empty for months, and a leak, a storm or a break-in can go unnoticed.

What customers run into:
1. Water leaks and mold in homes left closed for months.
2. Storm damage no one sees for days.
3. Neighbors and friends who forget to check.
4. Vendors who show up without anyone to let them in.

Why it matters. Early detection of problems prevents expensive damage, and insurers sometimes require regular checks on vacant homes.

Products & Services

SunCoast Home Watch will be the dependable choice in Sarasota for this work.

What makes us different:
1. Trained, bonded home watchers.
2. Written reports with photos after every visit.
3. Storm prep and fast post-storm checks.
4. Vendor coordination with owner approval.
5. A clear key log and privacy policy.

How a job works:
1. The owner signs up and shares access instructions and preferences.
2. We visit on the agreed schedule and walk through the home using a checklist.
3. We send a report with photos and flag problems.
4. We coordinate any repairs with the owner's approval.

Why customers stay. Owners keep a service they trust, and neighbors refer neighbors.

Market Analysis

Who we serve:
- Seasonal residents and snowbirds.
- Second-home owners.
- Landlords with vacant units.
- Real estate agents with vacant listings.

How we sized the market. Our Year 1 plan is about 50 homes on regular visits, 300 storm checks and 500 arrival and concierge services, a very small share of the seasonal homes in a coastal region. Replace this estimate with your own count of seasonal homes near you.

Why now. Many owners are retired or travel for months at a time, and storms make regular checks more valuable.

Competitive Landscape

What customers can do today:

1. Neighbors and friends. Free and unreliable.
2. Large property managers. Skilled and expensive.
3. Handyman companies that check homes. Convenient and inconsistent.
4. Alarm monitoring. Helpful and does not inspect.
5. Doing nothing. The most common choice.

Where we fit. SunCoast Home Watch will be a local, bonded service that is thorough and easy to trust.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet realtors, property managers and HOAs.
- Print flyers for clubhouses and community boards.
- Set up a website and Google Business Profile.
- Offer a free first visit.

After opening:
- Ask every customer for a review.
- Offer referral credits.
- Visit realtors monthly.
- Send storm preparedness tips.
- Share sample reports with permission.

What we will measure. How customers heard about us, how many estimates become jobs and how many customers call us back.

Operations Plan

How the business will run.

Season and schedule. Visits happen all year, with the busiest months for arrival services from fall to spring and storm checks in summer and fall. We schedule routes weekly.

Crew. Frank and Linda do the visits in Year 1. One associate joins in Year 2, and we add staff as homes are added.

Quality and safety. Watchers follow a written checklist, keep keys in a locked log and never enter a home without a scheduled visit. We carry a phone and report suspicious activity.

Equipment. We will buy a used SUV, tablets for reports, lockboxes and a key management system and basic inspection tools.

Paperwork and money. Every owner signs a service agreement and pays monthly by card or bank transfer. We send a report after every visit and follow up on anything unpaid after two weeks. We keep the books in simple accounting software and set aside money for taxes and insurance every month.

Management & Organization

The people who will run SunCoast Home Watch.

Linda Moreno, owner and customer lead. She meets owners, handles reports and keeps the books. Frank Moreno, owner and lead home watcher. He inspects homes and handles storm checks. (Replace this paragraph with your own background.)

Crew. One associate from Year 2, growing to four, each trained on the checklist and privacy rules.

Office. Linda handles the office with part-time help as homes are added.

Outside advisors. An accountant, an insurance broker, an attorney who reviews contracts and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Lead Home Watcher $44,000; home Watch Associate $32,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (2 months ahead): register the LLC, set up insurance and the bond, buy the vehicle and meet the first realtors and owners.
- Year 1: about 1,400 visits and services with Linda and Frank; $147,000 in sales and a profit of about $23,000.
- Year 2: about 2,050 and an associate; $222,680 in sales and a profit of about $38,100.
- Year 3: about 2,700 and a second associate; $303,360 in sales and a profit of about $56,000.
- Year 4: about 3,350 and a second vehicle; $388,880 in sales and a profit of about $76,300.
- Year 5: about 4,000 and a third associate; $477,260 in sales and a profit of about $98,100.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: homes visited, reports sent, problems found, unpaid invoices and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $38,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $19,000, listed item by item in the Startup Costs section: $9,000 for used SUV, $3,000 for tablets, lockboxes and key management system, $1,500 for LLC filing and attorney review of service agreements, $2,800 for general liability and bonding insurance, first payment, $2,000 for flyers, magnets and website, $700 for supplies and training.
- The cash the business uses before it breaks even, about $0. Sales cover the daily costs once the doors open, so the cash we need up front goes mostly to startup costs.
- A cash cushion of about $16,600: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $16,600, and the three pieces add up to about $35,600, rounded up to the nearest $500: $36,000.
We are raising $2,000 more than that, $38,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $45,500, at the end of Year 1.

Where the money comes from:
- Our own money: $8,000.
- SBA 7(a) loan: $30,000.

Kind of funding we are looking for. An SBA 7(a) loan from a lender that finances trade and construction businesses, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a profit of about $23,000 in Year 1, a profit of about $38,100 in Year 2, a profit of about $56,000 in Year 3, a profit of about $76,300 in Year 4 and a profit of about $98,100 in Year 5. With this funding, the business has money in the bank at the end of every year of the plan. Our loan is the SBA 7(a) loan at 10.5% over 10 years, $405 a month. That payment is already included in our cash flow. We chose these as cautious planning rates; ask the lender for the real rates, which may be lower or higher.

What we are offering the lender: the equipment and a personal guarantee.

A smaller first step, if needed. If we cannot raise the full amount right away, we can start smaller and grow into this plan:
- Phase 1: start with a small route and the first homes, which lowers the startup costs and the loan.
- Phase 2: once the route is steady, add an associate and more homes and follow this plan.
To plan the smaller start, make a copy of this plan (use Duplicate) and lower the numbers to match.

All numbers in this plan are estimates. We will update them as real results come in.

Appendix Notes

Documents to attach before you send this plan:

- Your resume and a personal financial statement (a list of what you own and what you owe; lenders usually provide a form).
- Business registration papers and your EIN (your business tax number from the IRS, free at irs.gov).
- Your business license, proof of insurance and bond.
- A sample inspection checklist and report.
- A list of realtors and communities you plan to approach.
- A key log template.
If you don't have any of this yet, no worries - let's continue.

The assumptions behind our numbers (change them in the Financials section to match your own):
- Monthly Home Watch Plans: about $135 in Year 1, rising to $152; about $38 in direct costs, rising to $43; about 600 in Year 1, growing to 1,800.
- Storm and Weather Checks: about $95 in Year 1, rising to $107; about $35 in direct costs, rising to $39; about 300 in Year 1, growing to 820.
- Arrival and Concierge Services: about $75 in Year 1, rising to $84; about $25 in direct costs, rising to $28; about 500 in Year 1, growing to 1,380.
- A monthly home watch plan averages about $135 per month, a storm check about $95 and an arrival service about $75.
- Prices rise about 3% a year.
- Equipment ($12,000 in Year 1) covers a used SUV, tablets, lockboxes and basic inspection tools, and later years ($1,500, $2,000, $2,000 and $2,500) replace and add equipment.
- Pay (a full year, per person): owner / Lead Home Watcher $44,000; home Watch Associate $32,000.
- Other yearly costs in Year 1: vehicle and Fuel $6,000, insurance and Bonding $6,000, marketing $5,000, software $3,000, admin $2,500. These grow between 4% and 5% a year.
- Customers and payers pay about 15 days after service, so at the end of Year 1 about $5,880 is still owed to us. Income tax at 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs