Reno Childcare Center: Owner-Operator Pro-Forma

A stabilized model for a ~110-child, ~10-12k sq ft owned center in Damonte Ranch / South Meadows or Spanish Springs / Kiley Ranch, sized to work for both James (full-time operator income) and his father (return on ~$2M equity). Educational modeling only.

Disclaimer. Educational modeling, not licensed financial, tax, legal, or insurance advice. Tuition, wages, insurance, and cap-rate figures are 2025-2026 market estimates from secondary sources and BLS; ratios/space rules are codified (NAC 432A). Ranges, not guarantees. Validate with a CPA, attorney, commercial childcare insurance broker, and Nevada DWSS Child Care Licensing before committing capital. Figures marked EST are modeled illustrations.
~110
licensed slots (~10-12k sq ft)
~$1.5M
stabilized revenue (~92% full)
~$380-430K
pre-owner-comp cash flow (EBITDAR)
~25%
pre-owner operating margin

01Capacity, Age Mix & the Ramp

A ~10-12k sq ft building supports roughly ~110 licensed children once you net classrooms against NAC 432A's 35 sq ft/child indoor rule (~3,850 sq ft of pure classroom for 110) plus support space, and confirm the 37.5 sq ft/child fenced play yard (~4,100 sq ft) fits the parcel. Capacity is set by staff ratios + usable sq ft + fire code, not a headline number. The revenue-optimal mix keeps infant capacity deliberately small (scarce, loss-leading, locks in families) on top of a large preschool base that carries the P&L.

Classroom (age band)Ratio
NAC 432A.5205
KidsReno tuition/mo ESTTeachers at ratio
Infant (<9 mo & 9mo-2yr)1:4 / 1:620$1,450-1,550~4
Twos (2-3 yr)1:918$1,3002
Preschool (3-4 yr) x2 rooms1:1248$1,1504
Pre-K (4-5 yr)1:1324$1,0502
Total at licensed capacity110~$134K/mo @ 100%~12 + relief

Reno center-based tuition runs ~$1,250-$1,550/mo (higher near downtown/university), above the Nevada state average (infant ~$1,000-$1,208, toddler ~$880, preschool ~$750/mo). Infant/toddler commands a premium here because supply is scarcest and the >2-year infant waitlist is real.

Enrollment ramp

New centers open at ~40-60% capacity. In Washoe's structural shortage (capacity meets only ~45% of need; providers down ~33% since 2013), a well-run center fills fast, roughly 4-8 months to stabilize toward ~90%, with cash breakeven ~month 9-15. Model Year 1 as a planned partial-year loss; the $2M must fund the building and ~12-18 months of runway (~$600-800K cushion, comfortably inside $2M).

02Stabilized Annual P&L (~110-child owned center)

Year 2-3 stabilized, ~92% utilization. Building owned (no rent), which is the whole thesis, it removes the single largest non-labor cost (~22-25% of revenue for leased centers) and converts it into equity + a depreciation shield.

LineAnnual EST% revNotes
Revenue (~92% of 110 slots, blended)~$1,475,000100%~$1.60M at 100%. Swing factor = age mix + utilization.
Payroll, loaded (~19 FTE)~$820,00056%Headcount fixed by ratios, not by how full the building is. See Sec. 03.
Food (net of CACFP reimbursement)~$60,0004%Federal meal reimbursement from day one.
Insurance (incl. abuse/molestation)~$30,0002%6-7 policies; SAM endorsement bought separately, target $10M/victim.
Supplies / curriculum~$45,0003%
Utilities / R&M~$50,0003%
Admin / marketing / software / licensing~$85,0006%
Property tax (owned, NV ~0.6-0.7%)~$28,0002%NV effective property tax far below CA.
Rent$00%Building owned. This line is ~$300-370K for a comparable leased center.
Total operating expense~$1,118,00076%
Pre-owner-comp cash flow (EBITDAR)~$357-430K~24-29%Funds operator salary + debt service + return to father.

Model center at ~$1.475M revenue and ~$1.118M opex nets ~$357K; a leaner staffing year or slightly richer mix pushes it toward ~$430K. Well-run owned centers run 10-25% net; ~25% pre-owner margin here is credible because rent is zeroed out.

03Staffing (the #1 cost and the #1 risk)

Payroll is ~55-56% of revenue and is the operational make-or-break. Headcount is dictated by ratios and by relief coverage (ratios must hold through breaks/lunches), so ~12 classroom teachers become ~19 FTE once you add floaters and non-teaching roles.

RoleCountWage ESTLoaded annual
Director (licensing gate, NRS 432A.1773)1~$75-85K~$96,000
Assistant director1~$50-55K~$62,000
Lead / assistant teachers12~$16-20/hr~$490,000
Floaters / relief3~$15-17/hr~$108,000
Cook + admin/front desk2~$16-18/hr~$78,000
Total~19 FTE~$834,000

Wage reality in Reno

Nevada Registry (2024) put the Reno lead-teacher median ~$16.80/hr and director ~$20.59/hr; BLS/aggregator preschool-teacher figures for Reno land ~$12.50-$17.85/hr. But Tesla, the data centers, and the general labor squeeze push the hireable wage up. National turnover is 26-40%/yr and 80%+ of centers report a shortage, many run below licensed capacity because they can't staff, which legally forces turning away paying kids. Budgeting above-market wages is the core competitive lever, not a nicety. A wage line 10% higher than modeled trims pre-owner cash flow by ~$80K, so wage inflation is the single biggest downside risk to this P&L.

04Making It Work for Both James and His Father

The ~$357-430K pre-owner cash flow has to do three jobs: pay James a real operator salary, service any debt, and return capital to his father. Two structures:

Structure A - all-equity, one owned center (~$2M project)

Structure B - lever $2M via SBA 504 (~$5-6M project or two centers)

Why the split of duties works

James's construction-PM license lets him self-GC the build/conversion (the largest budget line, ~$150-550/sq ft ground-up; 20-30% cheaper on a 2nd-gen shell) and capture contractor margin while maximizing the cost-seg short-life components. His realtor license lets him screen parcels against the eased Jan-2026 Title 18 zoning and the ~45% capacity gap. He earns an operator salary + developer margin; his father earns a preferred cash return + the depreciation shield + an appreciating, liquid real-estate asset. The one structuring question for a CPA: because childcare is an active business (not a passive rental), the depreciation flows against active operator income, so confirm who materially participates and design the ownership/waterfall split before funding.

05Sources

Ratios/space = codified (high confidence). Tuition, wages, insurance, cap rates = 2025-2026 market estimates (medium confidence); confirm with local operators, a childcare insurance broker, and a CPA.

Prepared for James McDonnell (Vector strategy file) · 2026-07-28 · Reno/Sparks, Washoe County, NV. Companion to reno_home_to_childcare_zoning, reno_childcare_demand_by_submarket, and capital_deployment_playbook (all 2026-07-28). Educational modeling only; validate every figure before committing capital.