Investor Financial Summary · Confidential

The Cloisters at Ave Maria

A 70-Key Upscale Hotel & Event Venue

Ave Maria, Collier County, Florida  ·  August 2026  ·  Base / Active Underwriting Case

I

Project at a Glance

Total Project Cost
$27.95M
70 keys · ballroom · 4 retail bays
Total Equity Required
$11.18M
40% of TPC
Blended ADR
$280
66.7% occ · $186.80 RevPAR
Combined NOI (Stabilized)
$2.39M
38.5% hotel NOI margin
LP IRR
12.3%
2.63x MOIC · 10-yr hold
Stabilized DSCR (Yr 3)
1.75x
Lender minimum: 1.25x
Yield on Cost
8.57%
Combined NOI ÷ TPC
Stabilized Value Creation
+$2.88M
10.3% above TPC · 82 bps spread

All figures below reflect the model's Base / Active underwriting case. Conservative and Upside sensitivity cases carried elsewhere in the model are intentionally not shown in this summary.

II

Building Program & Development Cost

The Cloisters is programmed as a 70-key upscale hotel: 60 standard guestrooms and 10 flexible extended-stay suites, a 180-seat ballroom / event hall, one additional meeting room, a third-party-operated restaurant and bar, and four complementary retail bays totaling approximately 5,000 SF of GLA, on a 3.08-acre Town Center parcel (Parcel 22671200026). Total gross building area is approximately 58,000 SF (63,000 SF of total built area including the retail component), delivered over a 20-month construction period following a 4-month pre-opening period. The design strategy concentrates architectural investment in the public realm — courtyard, colonnades, ballroom, arrival, landscaping and lighting — while standardizing guestroom, corridor, and back-of-house construction.

Sources
SourceAmount%
Permanent debt (60% LTC)$16,767,93560.0%
LP-class equity (accredited investors)$11,178,62340.0%
Total Project Cost$27,946,558100.0%
Uses
UseAmount%
Hard costs — hotel, event hall & restaurant shell$16,619,50059.5%
FF&E, OS&E & soft costs (hotel program)$6,957,55824.9%
Incremental retail development cost$1,494,5005.3%
Total Project Cost$27,946,558100.0%
Hotel/Event/Restaurant TDC per Key
$336,815
Excl. retail & land
TPC per Key
$399,237
Incl. retail & land
Hard Cost per Gross SF
$286.54
Hotel program only
The development budget is built bottom-up by category, not backed into a target. Hard costs include guestroom construction ($8.97M), public-area construction ($1.79M), the ballroom/event space ($1.92M), the meeting room ($242K), courtyard & colonnades ($1.24M), restaurant shell ($940K), site work ($928K), and landscaping ($600K). Soft costs include FF&E/OS&E ($1.16M net of the restaurant operator's $250K contribution), architecture & engineering, consultants, permits, financing costs, capitalized construction-period interest ($937K), pre-opening expenses, initial working capital, and a 7.5% contingency ($1.25M). Retail's incremental $1,494,500 covers shell construction, façade/colonnade integration, MEP, tenant improvements, leasing commissions, soft costs and contingency for the four bays. Total Project Cost is inclusive of site acquisition costs, which are not separately itemized in this summary.
III

Room Mix & Pricing

Tier 1 of 2
Standard Guestroom
$273
Standard-room ADR at 66% occupancy · serves the broad institutional, family, and community visitor base
60 rooms86% of inventory
Tier 2 of 2
Flexible Suite
$290
Suite-equivalent ADR at 71% occupancy · extended-stay flexible suites for donors, retreat leaders, and longer visits
10 rooms14% of inventory
Blended ADR
$280.01
Weighted across both room tiers
Blended Occupancy
66.7%
Stabilized (Year 3+)
Blended RevPAR
$186.80
ADR × occupancy

The Base Case assumes approximately 21,000 annual addressable room nights against 25,550 total available room nights (70 keys × 365 nights), an 80.3% capture rate of addressable demand. Standard-room ADR of $273 sits close to the $231.99 rate Ave Maria University has already directed conference attendees to pay at an off-site hotel — before any premium for an on-site, purpose-built venue — and remains conservative relative to the broader Naples–Marco Island boutique comp set of $280–$500 ADR.

IV

Revenue & Operating Model

Room revenue is supplemented by a third-party restaurant/bar concession structure: the operator bears F&B payroll, food cost, and departmental risk, while the hotel retains base and percentage restaurant rent, a negotiated share of banquet catering, and 100% of ballroom/meeting-room rental and AV revenue. At stabilization, the venue supports 102 major events per year (30 weddings, 22 conferences/retreats, 25 university/institutional events, 25 private/social events) plus 70 smaller meetings — producing approximately $565,000 of venue rental revenue, $1.01 million of gross catering activity (of which $202,000 flows to the hotel as its catering share), and $43,000 of AV revenue.

Line Item$ / Year% of Revenue
Revenue
Standard room revenue$4,015,12768.9%
Suite room revenue$757,70013.0%
Total room revenue$4,772,82781.9%
Other revenue (parking / incidentals)$95,4571.6%
Restaurant lease, catering share & event revenue$955,62416.4%
Total Revenue$5,823,908100.0%
Departmental Expenses
Rooms department expense$1,240,93521.3%
F&B / restaurant department expense$00.0%
Event department expense (ballroom/meeting-room labor, setup, turnover)$242,8874.2%
Total departmental expenses$1,483,82225.5%
Undistributed Operating Expenses
Administrative & general (6.5%)$378,5546.5%
Sales & marketing (5.5%)$320,3155.5%
Repairs & maintenance (4.0%)$232,9564.0%
Utilities (3.5%)$203,8373.5%
IT & systems (1.2%)$69,8871.2%
Security (1.0%)$58,2391.0%
Other undistributed expenses (1.5%)$87,3591.5%
Total undistributed operating expenses$1,351,14723.2%
Gross Operating Profit (GOP)$2,988,93951.3%
Fixed Charges
Insurance$145,0002.5%
Property taxes$195,0003.3%
Total fixed charges$514,7178.8%
EBITDA$2,474,22242.5%
FF&E reserve (4.0% of revenue)$232,9564.0%
Hotel Net Operating Income$2,241,26538.5%
+ Retail NOI (100% economic)$152,6562.6%
Combined Property NOI$2,393,92241.1%*
*Combined NOI margin shown against Hotel Total Revenue; on a fully combined revenue basis (including retail), Combined NOI margin is 40.0%. Event departmental profit (venue rental + catering share + AV, less event department labor/setup) is approximately $567,000 annually. Total economic event activity, including the third-party caterer's own retained share of gross catering, is approximately $1.62 million.
V

Capital Structure

Debt 60% — $16.77M
Equity 40% — $11.18M
Permanent Loan
$16,767,935
60% loan-to-cost
Interest Rate
6.5%
Fixed, permanent debt
Amortization
25 years
Annual debt service $1,358,620
Lender Minimum DSCR
1.25x
Covenant reference

LP-class equity of $11,178,623 is being raised from accredited investors.

VI

10-Year Pro Forma

$ / YearYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10
Total Revenue$3.96M$5.13M$5.82M$6.00M$6.18M$6.36M$6.55M$6.75M$6.95M$7.16M
Combined Property NOI$1.52M$2.07M$2.39M$2.45M$2.52M$2.58M$2.64M$2.71M$2.78M$2.85M
Annual Debt Service$1.36M$1.36M$1.36M$1.36M$1.36M$1.36M$1.36M$1.36M$1.36M$1.36M
Debt Balance (EOY)$16.49M$16.20M$15.88M$15.54M$15.19M$14.80M$14.39M$13.96M$13.49M$13.00M
DSCR1.11x1.51x1.75x1.79x1.84x1.89x1.93x1.98x2.03x2.08x
Year 3 is the model's stabilization year. Revenue and NOI grow at the model's ADR/occupancy ramp through Year 3 and at ongoing growth rates thereafter; annual debt service is fixed for the life of the permanent loan. DSCR clears the 1.25x lender covenant beginning in Year 2 and continues to strengthen through the hold period as the loan amortizes.
VII

Distribution Waterfall & Investor Returns

The Base Case waterfall is straightforward: an 8% cumulative, non-compounding preferred return on LP-class equity, then return of capital, then a 70% LP / 30% GP residual split, with no GP catch-up.

LP IRR (Base Case)
12.3%
10-year hold · LP-class equity
LP Pool MOIC
2.63x
LP-Class Capital
$11.18M
Distribution ($)Yr 1Yr 2Yr 3...Yr 9Yr 10 (incl. sale)
Total LP-pool distribution$160,447$707,231$1,035,302...$1,417,595$21,090,738
Operating cash flow covers the LP pool's preferred-return accrual each year but does not fully return capital until the Year-10 sale, when net sale proceeds of $23,812,359 clear the remaining unreturned preferred return, return of capital, and residual split.
VIII

Exit Valuation & Value Creation

Stabilized Valuation (Year 3)
Stabilized Combined Property NOI$2,393,922
Hotel / Retail valuation cap rates7.75% / 8.00%
Stabilized value (sum-of-the-parts)$30,827,755
Total Economic TPC$27,946,558
Value creation vs. TPC+$2,881,197 (10.3%)
Development spread (YOC − cap rate)82 bps
Year-10 Exit (Forward Year-11 NOI)
Forward Year-11 Combined NOI$2,916,761
Gross sale price (sum-of-the-parts)$37,560,626
Selling costs($751,213)
Debt payoff (Year-10 balance)($12,997,054)
Net sale proceeds to equity$23,812,359
Value creation vs. TPC (gross)+$9,614,068 (34.4%)
Valuation uses the sum-of-the-parts method: hotel NOI is capitalized at a 7.75% rate and retail NOI at a separate 8.00% rate, then summed — never a single blended cap rate applied to combined NOI. The 82-basis-point development spread (yield on cost less the hotel valuation cap rate) reflects a disciplined but modest value-creation profile at the Base Case, consistent with a conservative underwriting posture. (The alternative blended-cap method — a single 7.75% rate applied to combined NOI, used in some external summaries — produces a slightly higher stabilized value of approximately $30.89 million; this document consistently uses the sum-of-the-parts method throughout, per the model's active valuation-method switch.)
Basis of presentation: All figures in this summary are drawn directly from the underlying financial model's Base Case, Active-scenario outputs (Scenario = Base, Owner-Operated management, LP investor cash equity pari passu, sum-of-the-parts valuation method). The model's Conservative and Upside sensitivity cases are maintained for internal underwriting purposes but are not reproduced here.

Assumptions & Sources: Development cost benchmarked bottom-up by category. Room revenue, event program, and retail assumptions are detailed in the accompanying Market Study and Market Demand Investment Memo, including Ave Maria University institutional demand data, Collier County STR/CoStar rate data, and Barron Collier Commercial's Anthem Square retail leasing comparables. All figures are pro forma projections; actual results will differ materially.

Confidentiality: This document is strictly confidential and intended solely for accredited investors in connection with a private placement offering. © Cloisters Development Group LLC  ·  Proprietary & Strictly Confidential  ·  August 2026