✅ Xbox GamePass ghost (7+ yrs) CANCELLED (Chase closed) → +$15/mo ✓ DONE
✓ Wyyerd downgrade confirmed → +$46/mo
✓ Acima EPO by June 3 → +$673 one-time
✅ Soapy Joe's CANCELLED (Chase closed) → +$26/mo ✓ DONE
✅ Peacock CANCELLED (PayPal→Chase route dead) → +$11/mo ✓ DONE
✅ Planet Fitness CANCELLED (Chase closed) → +$25/mo ✓ DONE
✓ Consolidate Adobe → +$30/mo
✓ Cloudflare Pages — financials.rovelo.org
✓ Financial Recovery Blueprint v1
✓ PIN-protected deployments
✓ Auto CI/CD from GitHub push
✓ Custom domain management
| Digital Stream | Est. Monthly | Timeline | Phase | Status |
|---|---|---|---|---|
| Client dev work / freelance Web apps, tools, dashboards for clients |
$2,000–$5,000 | 1–2 months | Phase 1 | Available now |
| AI agent / automation services Business automation, AI workflows for SMBs |
$1,000–$3,000 | 2–3 months | Phase 1 | In development |
| Financial OS — license to others This tool, productized for others in financial recovery |
$500–$2,000 | 3–6 months | Phase 2 | Concept · Build together |
| Property management tools (SaaS) Tenant tracking, rent collection, maintenance portal |
$300–$1,500 | 3–5 months | Phase 2 | Concept |
| Passive digital income (ads, affiliate, info products) Long-term passive streams once products are built |
$500–$3,000 | 6–12 months | Phase 3 | Future |
| Total Potential Contribution | $4,300–$14,500/mo | Fully active: 6–12 mo | All 3 phases | High priority asset |
• Cash injection → CalCoast buffer
• Automate debt payment tracking
• Alert system for NSF risk
• Target: $2K–$5K/mo income
• Fund the $5K emergency account
• Automate rental management
• Build tenant payment portal
• Target: $5K emergency fund
• Financial OS as a platform
• Property + digital = full freedom
• Greg exits W2 if desired
• Target: $5K/mo net passive
| # | Action | Impact | Timeline |
|---|---|---|---|
| 1 | Define Markus's active project list. What is he currently building? Which projects are closest to revenue? Share the list so we can prioritize the highest-yield work. | Builds the digital asset roadmap | This Week |
| 2 | Identify one client or freelance project Markus can close within 30 days to generate immediate cash and deposit directly to CalCoast as a buffer. | $2,000–$5,000 cash | 30 Days |
| 3 | Set a monthly contribution target. Even $500–$1,000/month from Markus's digital work closes 8–17% of the Phase 1 gap immediately. Formalize this as a line item in the budget. | −$500–$1,000/mo deficit | 60 Days |
| 4 | Productize the Financial OS. This tool we're building together is the v1 of a real product. Markus builds, Greg owns the IP. License to others in financial recovery at $29–$99/month. 50 users = $1,450–$4,950/month in pure passive income. | $1,500–$5,000/mo potential | 3–6 Months |
Main house 2/1: $0 — VACANT
Garage studio: $0 — not built
Net after all costs: −$1,083
Main house 2/1: $1,200 ← GET THIS
Garage studio: $0 — not yet
Net after all costs: −$3/mo
Main house 2/1: $1,200
Garage studio (convert): $500
Net after all costs: +$447/mo
| Unit | Type | Status | Target Rent | Action Needed | Timeline |
|---|---|---|---|---|---|
| Garage Apartment | 1 bed / 1 bath | ✓ Rented — Jake | $550/mo | Maintain current lease. Ensure Marshall's has Jake's contact and payment. | Done |
| Main House | 2 bed / 1 bath | ⚠ VACANT — $0 | $1,200/mo | List immediately through Marshall's or local PM. Every month vacant = $1,200 lost. This is the most urgent income lever on the entire AR property. | This Month |
| Garage / Studio | Studio (potential) | Future — requires conversion | $500/mo | Light conversion needed. Once AR cash flow stabilizes, evaluate cost vs. return. At $500/mo, payback on any conversion cost is fast. | Phase 2 |
Confirmed PITI breakdown (from closing note): P&I $899.76 + PMI $193.56 + Taxes $56.51 + Insurance $231.40 = $1,381.23/mo. Costs in scenarios above include 10% PM fee + maintenance reserve. ⏰ PMI $193.56/mo can be requested off Jan 2035; auto-terminates Dec 2035 — a confirmed future cash flow boost of ~$194/mo at that milestone.
| Order | Debt | Balance | APR | Min Pmt | Interest/Mo | Est. Payoff (Min Only) | Strategy |
|---|---|---|---|---|---|---|---|
| ① NOW | Best Buy Citi 6430 | $350 | 28.74% | $25/mo | $8 | May 2027 (min only) | Pay $50/mo extra → dead Dec 2026. Saves deferred interest trap. |
| ② NOW | Cap One Platinum 2877 | $162 | ~30% | $25/mo | $4 | 7 months | Roll $75 freed from Best Buy → dead Jan 2027 |
| ③ Q1 '27 | Cap One Quicksilver 6629 | $928 | ~30% | $40/mo | $23 | 28 months (min only) | Roll $100 freed from above → dead Apr 2027 |
| ④ 2027 | Costco Visa/Citi (2145) | $6,373 | 26.74% ✓ | $476 min (past due) / ~$274 normal | $158 ✓ | 4+ years (min only) | Roll freed cash here after ①②③ die. Add any Phase 1 savings. Target: dead mid-2028 |
| ⑤ AUTO | Affirm — 3 loans | $4,502 | 0% | $832/mo | $0 | Nov 2026 (natural) | Let run. No extra payments needed at 0%. $832/mo freed by Nov 2026 — redirect to Citi immediately. |
| ⑥ URIEL | Yamaha XSR900 | $11,170 | 21.49% | $301/mo (Uriel) | $200 | ~48 mo remaining | Uriel currently covers. Priority: get Uriel to refi into his own name. Removes $11K from Greg's credit instantly. |
| ⑦ SALOMON | Dodge Charger (Stellantis) | $37,170 | 14.99% ✓ | $1,416/mo (Salomon/BofA) | $464 ✓ | Dec 2028 (confirmed) | Salomon pays from his Bank of America autopay — confirmed source of invisible $1,416. 14.99% = $464/mo in interest Greg can never recover. Payoff Dec 2028 per amortization. Priority: get Salomon to refi into his own name — biggest single credit fix. VIN: 2C3CDXGJ7NH235026. |
| ⑧ LONG | Navy Fed Jeep #1077 | $30,514 | ~8% | $637/mo | $203 | ~48 mo remaining | After Citi is dead, roll freed cash here. Refi to lower APR if possible. |
| ⑨ DECIDE | Rancho Tecate Land | $34,500 | ~10% | $536/mo | $288 | 71 months | Strategic decision: sell land or continue? At $536/mo for 71 mo = $38,056 total. Is the land worth it? |
| ⑩ FILL | AR Property — 3-Unit (Planet Home) | $139,650 | 6.49% | $1,385/mo | $756 | ~25 years · KEEP | KEEP & OPTIMIZE. Jake in apt ($550 ✓). Main house 2/1 VACANT — list at $1,200/mo immediately. Fills that unit → property breaks even. Garage studio conversion (+$500/mo) in Phase 2 → property goes cash-flow positive +$447/mo. Sell only as last resort. |
| Milestone | When | Cash Freed | Running Deficit | Notes |
|---|---|---|---|---|
| 🚀 Start — Phase 1 Quick Wins | May–Jun 2026 | +$1,053/mo | −$4,913/mo | ✓ Albert $40 DONE + ✓ Xbox GamePass ~$15 DONE + ✓ Peacock $11 DONE + ✓ Soapy Joe's $26 DONE + pause Remitly $900 + Wyyerd $46 + Adobe $30 (verify) |
| ✓ Acima EPO completed | Jun 2026 | +$101/mo | −$4,812/mo | Early payoff saves $673 one-time + frees $47/biweekly |
| ✓ Best Buy Citi paid off | Dec 2026 | +$75/mo | −$4,737/mo | Min $25 + $50 extra. Saves deferred interest trap. |
| ✓ All 3 Affirm loans completed | Nov 2026 | +$832/mo | −$3,905/mo | $832/mo immediately redirected to Citi 410039 attack |
| ✓ Cap One Platinum + QS dead | Q1 2027 | +$140/mo | −$3,765/mo | Small balances, roll freed payments to Citi |
| 🏠 Rent AR Main House (2/1) | ASAP — Jun 2026 | +$1,200/mo | −$2,705/mo | Main house VACANT now. List immediately at $1,200/mo. Drops AR net drain from −$1,083 to ≈$0. Single biggest near-term income lever. |
| + AR Garage Studio conversion | Phase 2 | +$500/mo | −$2,205/mo | Light conversion of garage to studio. AR goes from break-even to +$447/mo cash-flow positive. |
| ☀️ Mosaic Solar paid off | Mid 2028 | +$200/mo | See running total | $4,409 balance · paying $200/mo · only $22/mo interest. Self-liquidates ~mid-2028. Confirmed from portal 05/04/2026. |
| ✓ Citi 410039 paid off | Mid 2028 | +$274/mo | −$2,106/mo | $148/mo in monthly interest finally stops burning |
| + Markus digital income begins | Late 2026 | +$500–$2,000/mo | −$1,600 to −$106/mo | Freelance / client work / first digital revenue |
| + ADU #2 completed at Manor Dr | 2026–2027 | +$1,200–$1,500/mo | ~$0/mo | 4th rental unit at 1308 Manor Dr — construction in progress |
| 🏆 Break Even — Phase 1 Complete | Est. 2027–2028 | $0 deficit | $0 | Affirm dead + quick wins + Markus income + new ADU rent + AR rented |
| 📋 AR PMI auto-terminates | Dec 2035 | +$194/mo | Locked-in boost | PMI $193.56/mo drops off AR mortgage automatically (78% LTV). Can request removal Jan 2035 at 80% LTV. Confirmed from closing note — no action needed, it just happens. |
| 🎯 Road to 5K — Phase 3 Complete | Est. 2028–2030 | +$5,000+/mo NET | +$5,000/mo | Jeep paid + Citi dead + digital income scaled + 3 rental units fully operational + optional: exit W2 |
✗ Mortgage default imminent
✗ CalCoast hits $0 with no backup
✗ Another major unknown debt surfaces
✗ Medical or emergency forces hand
Payoff: ~$139,650
Gross equity: $40K–$120K
Less closing ~$14K
Net: ~$26K–$106K cash
Convert garage → +$447/mo ✓
Build 2-property income portfolio ✓
Long-term appreciation keeps equity ✓
Best outcome: keep, optimize, hold
Bank Statement Analysis
Road to 5K: Financial Freedom OS — Greg Rovelo
| Document | Period / Date | Key Data | Status |
|---|---|---|---|
| Chase #8655 — Statement A | Jan 24 – Feb 23, 2026 | Begin $2,315.53 → End $512.36 · 2 paychecks | Confirmed |
| Chase #8655 — Statement B | Feb 24 – Mar 20, 2026 | Begin $512.36 → End -$249.65 · $68 overdraft · 0 paychecks | Confirmed |
| Los Reyes Tire Pay Stubs (3) | Dec 22, 2025 – Feb 1, 2026 | Gross $3,800/period · Net $2,675.13 · Biweekly · ~$98,800/yr gross | Confirmed |
| NewRez LLC — Mortgage Statement | Statement Date: 05/04/2026 | 1308 Manor Dr · Balance $488,097.59 · $3,178.38/mo · Acct #9741515283 | Confirmed |
| Planet Home Lending — Mortgage Statement | Statement Date: 05/04/2026 | 2300 S N St, AR · Balance $139,649.93 · $1,384.86/mo · Acct #9102442377 | Confirmed |
| Toyota Financial — Tundra (A672) Statements (5) | Nov 2025 – Apr 2026 | 2025 Tundra C4X4 · $1,152.38/mo · 23 mo remaining · Matures Apr 26, 2028 · Joint: Greg + Odesa | Confirmed |
| Toyota Financial — Prius Prime (E421) Statements (4) | Jan 2026 – Apr 2026 | 2026 Prius Prime · $389.43/mo · 27 mo remaining · Matures Sep 1, 2028 · Greg Rovelo only | Confirmed |
| Roadrunner Account Services — Payment Receipt | 05/05/2026 | Acct #5968134 · $301.07/mo payment · Payoff balance: $11,162.97 · This is a LOAN, not internet service | ⚠ Loan — Misclassified Previously |
| CalCoast Credit Union — Acct #0001080650 (17 statements) | Dec 2024 – Apr 2026 | Joint: Greg + Sandra Rovelo · VACP ~$3,938/mo · Pays both mortgages + Prius + Ally $790.46 + insurance $794/mo + solar $200 + Mexico $500–1,131/mo | Confirmed — SOLVES "0650" Mystery |
| Acima Lease Agreement — Lease #30519882 | 03/02/2026 (signed) | Traxxas TRX-4 Bronco RC truck · El Cajon Hobbies · $46.63 biweekly + $3.61 tax = $50.24/payment · 26 total payments · $538.75 cash price · $1,212.19 total cost · 4/26 paid · $932.41 remaining | Confirmed — Acima RC Truck |
| Best Buy Citi Statement — Card ending 6430 | Statement closing 04/12/2026 | ONE card · $350 credit limit · $84.86 statement balance · APR 28.74% · PAST DUE $29 · autopay reversed 04/07 · late fee $29 · deferred interest promo expires May 08, 2027 | ⚠ Past Due · Deferred Interest Trap |
| Capital One App Screenshots | May 2026 | Quicksilver ...6629 = $928.22 balance · Platinum ...2877 = $161.55 balance · Total Capital One = $1,089.77 | Confirmed — Two Cards |
| Navy Federal Used Vehicle Loan — Loan #1077 | 2026 (recent refi) | 2020 Jeep Gladiator · Balance $30,514.33 · $636.57/month · Next payment due 07/19/2026 · REFINANCED from Ally Bank (replaces $790.46/mo Ally payment) | Confirmed — Jeep Gladiator Refi |
| Roadrunner / Octane Portal — Loan Details | May 2026 | 2025 Yamaha XSR900SCB "Raven" · 21.49% APR · 72-month term · $12,127.99 original · $301.07/mo · 61 months remaining · $11,169.54 payoff · Octane Financial · Friend Uriel possesses bike and reimburses $301.07/mo cash | Confirmed — Yamaha / Uriel Arrangement |
| Cobroplan Receipt RGR-39131 — Rancho Tecate Land | April 3, 2026 | Pagaré 49/120 · RGR-Global-Business · Capital $360.60 + Interest $125.86 + Late fee $48.65 = $539.97 USD · Paid 9,617.78 MXN @ 17.8117 | Confirmed — Mexico Land |
| Cobroplan Receipt RGR-37164 — Rancho Tecate Land | January 10, 2026 | Pagaré 47/120 · RGR-Global-Business · Capital $357.62 + Interest $128.84 = $486.46 USD · Paid 8,748.59 MXN @ 17.9842 | Confirmed — Mexico Land |
| Cobroplan Receipt AU-62314 — Rancho Tecate HOA | January 10, 2026 | Asociación de Usuarios de Rancho Tecate Resort – Sección Lomas A.C. · $50.00 USD/month HOA fee · Paid 899.21 MXN @ 17.9842 | Confirmed — Mexico HOA |
| Navy Federal Business Welcome Letter | Sep 13, 2024 | Rovelo Asset Management · Checking #7187620963 · DORMANT — never used (Navy Fed Business lacks Zelle; Isaac pays rent via Zelle so Greg kept personal account) | ✓ Resolved — Dormant |
| Coverage Summary | Chase · Navy Fed Personal · CalCoast CU (17 mo) · NewRez · Planet Home · Toyota (both leases) · Roadrunner/Octane (Yamaha XSR900) · Affirm · Acima · Best Buy Citi · Capital One (both cards) · Navy Fed Used Vehicle Loan (Jeep Gladiator) · Cobroplan Rancho Tecate land + HOA — all confirmed. Navy Fed Business = dormant. ✓ No remaining major data gaps. | ||
Rovelo Asset Management Navy Federal Business Checking (#7187620963) was opened Sep 13, 2024 but was never used. Reason: Navy Federal Business accounts do not support Zelle — and Isaac Caballero pays rent via Zelle, so Greg kept personal accounts to receive those deposits. The business account sits dormant. The mortgages are paid from CalCoast CU, not this account. This eliminates the #1 data gap that was assumed to hold invisible business income.
Greg lives at 1308 Manor Dr, El Cajon in a modified garage unit — house hacking his own property. The main house is rented out for ~$2,800/month. The ADU (Isaac's unit) rents for $1,275/month via Zelle. Greg's mom, Sandra Rovelo, lives at 9041 El Dorado Pkwy SPC 41 — Greg's former address. The Chase account retained the old address from when Greg lived with his mom. Odesa F. Camargo Campos lives in San Bernardino in her own house — she is not a tenant and has no ongoing housing arrangement at Manor Drive.
The monthly "VACP TREAS 310" deposit of ~$3,938.58/month (confirmed April 2026) is Greg's own VA Compensation & Pension — he confirmed he is the veteran. This is tax-exempt federal income, arriving reliably each month into the CalCoast joint account that Greg manages with his mother Sandra. At ~$47,256/year, this is Greg's second-largest income source after payroll. The benefit is Greg's alone — Sandra Rovelo (his mom) is simply a joint account holder. This income stream is secure, inflation-indexed, and tax-free.
| Date | Source | Amount | Notes |
|---|---|---|---|
| 02/06 | Los Reyes Tire S Payroll | $2,675.13 | Biweekly paycheck #1 |
| 02/06 | Zelle — Isaac Caballero Elizalde | $75.00 | Partial rent payment |
| 02/09 | Zelle — Isaac Caballero Elizalde | $1,200.00 | Balance of rent ($1,275 total) |
| 02/03 | Bridge Arx Dolarapp | $123.00 | DolarApp withdrawal to bank |
| 02/17 | Zelle — Raquel M. Reyes | $130.00 | Identity unknown — one-time? |
| 02/20 | Los Reyes Tire S Payroll | $2,675.13 | Biweekly paycheck #2 |
| 02/25 | Albert Savings (incoming) | $300.00 | Cash advance from Albert app |
| 03/04 | Bridge Arx From Arq | $500.00 | "Arq" — person or account? |
| 03/05 | Zelle — Isaac Caballero Elizalde | $675.00 | March rent partial |
| 03/05 | Zelle — Isaac Caballero Elizalde | $600.00 | March rent balance |
| 03/09 | ATM Cash Deposit | $100.00 | 1790 E Main St, El Cajon |
| 03/11 | Bridge Arx From Arq | $150.00 | DolarApp withdrawal |
| 03/15 | ATM Cash Deposit | $100.00 | 1790 E Main St, El Cajon |
The Feb 24–Mar 20 statement shows zero payroll deposits from Los Reyes Tire. The previous paycheck was Feb 20. The next biweekly check should have arrived ~March 6. It did not hit Chase #8655. The account overdrafted as a result. Either the paycheck is routing to a different account (a second bank account not yet identified), a pay period was missed, or there was a scheduling gap.
✓ RESOLVED: Greg Lives at 1308 Manor Dr in the Modified Garage Unit — House Hacking
Greg confirmed he lives at 1308 Manor Dr, El Cajon in a modified garage unit he converted into his personal residence. The main house is rented out for ~$2,800/month (paid by check). The ADU is rented to Isaac Caballero for $1,275/month (Zelle). Greg is house hacking his own property — offsetting his mortgage with rental income while living in a smaller converted space. The 9041 El Dorado Pkwy SPC 41 address is his mom Sandra Rovelo's mobile home — Greg lived there before moving to Manor Drive, and Chase still had the old address on file. No lot rent cost to Greg.
ADU Unit (Isaac Caballero): $1,275/month via Zelle → Chase/Navy Fed
Garage unit (converted): Greg's personal residence — no rent paid
New ADU under construction (Juan M. Rousseau project) → future 4th income unit
Total current rental income from Manor Dr: ~$4,075/month
✓ RESOLVED: Odesa F. Camargo Campos — Lives in San Bernardino (Her Own House)
Odesa lives in San Bernardino in her own home — she is not a tenant at Manor Drive and has no ongoing housing arrangement there. The 1308 Manor Drive address appeared on her Navy Federal account documents because Greg was her Navy Federal sponsor when she opened her account, not because she lives there. Greg holds her financial documents as a trusted contact. Their key financial relationship: Odesa loaned Greg $43,000 (deposited to CalCoast), which was used for home improvements. Greg is repaying this by covering the Toyota Tundra lease payments ($1,152.38/month). Per their agreement, when the loan is repaid, Odesa returns the Tundra to Greg. The Tundra is currently in Odesa's possession in San Bernardino. Account ending 7691 is Odesa's Navy Federal account number, listed as a backup payment source on the Toyota lease.
Isaac Caballero — ADU Tenant (Confirmed)
Isaac Caballero Elizalde pays $1,275/month via Zelle, confirmed by the 2025 rental agreement. He pays in two installments each month. This is the only confirmed rental income line. Manor Drive ADU is his unit.
| Liability | Lender | Balance | Rate | Monthly Payment | Breakdown | Autopay |
|---|---|---|---|---|---|---|
| 1308 Manor Dr El Cajon, CA 92021 |
NewRez LLC Loan #9741515283 |
$488,097.59 | 2.75% | $3,178.38 | P: $1,147.18 I: $1,118.56 Escrow: $912.64 |
Autopay ON |
| 2300 S N St Fort Smith, AR 72901 |
Planet Home Lending Loan #9102442377 |
$139,649.93 | 6.490% | $1,384.86 | P: $144.49 I: $755.27 Escrow: $485.10 |
Autopay ON |
| 2025 Toyota Tundra C4X4 VIN: ...SX297294 · Acct A672 · Started Apr 2025 |
Toyota Financial Services Joint Lessees: Greg + Odesa |
$58,972.11 buyout | Lease | $1,152.38 | 23 months remaining Matures Apr 26, 2028 Buyout good thru 05/14/26 |
Confirmed |
| 2026 Toyota Prius Prime VIN: ...T3057590 · Acct E421 · Started Sep 2025 |
Toyota Financial Services Lessee: Greg Rovelo only |
Lease (no buyout shown) | Lease | $389.43 | 27 months remaining Matures Sep 1, 2028 |
Confirmed |
| 2025 Yamaha XSR900SCB "Raven" Octane Financial · Acct #5968134 · ⚠ Friend Uriel possesses bike · pays $301.07 cash monthly |
Octane Financial (Roadrunner Account Services LLC) | $11,169.54 payoff | 21.49% APR | $301.07 | 72-month term · 61 months remaining Original: $12,127.99 · Last pmt: 05/05/2026 ⚠ Greg holds credit risk — Uriel has the bike |
⚠ Pass-Through Risk |
| 2020 Jeep Gladiator Navy Fed Used Vehicle Loan #1077 · Refinanced from Ally Bank |
Navy Federal Credit Union | $30,514.33 | TBD (refi) | $636.57 | Next payment: 07/19/2026 Replaces Ally Bank $790.46/mo Saves ~$154/mo vs. old Ally payment |
Confirmed — Refi from Ally |
| Total Confirmed Debt Service (Real Estate + Vehicles + Loans) | $670,936+ | $7,344.43/mo | Mortgages $4,563 + Toyota leases $1,542 + Jeep $637 + Yamaha $301 | |||
Planet Home statement shows a $193.56/month MIP disbursement from escrow (paid April 2026). This is mortgage insurance — likely an FHA loan (given the $142,500 original loan, ~3.5% FHA down payment on ~$148K purchase). The $485.10/month escrow covers: ~$118/mo property taxes + $193.56 MIP + ~$173/mo hazard insurance. The PMI is a drag cost that requires a specific equity threshold to remove.
Manor Drive locked in at 2.75% (pandemic-era rate — an asset). Arkansas property is at 6.49% (2024 rate environment). The AR interest burden is disproportionately high: $755.27/month in interest on a $139K balance. At this rate, only $144.49/month reduces principal. The AR property is the more expensive loan to carry relative to its size.
Toyota Financial Services dashboard confirms two active leases simultaneously:
Tundra (A672) — 2025 Toyota Tundra C4X4: $1,152.38/month, 23 months remaining, matures Apr 26, 2028. Joint lessees: Greg + Odesa Camargo. Buyout $58,972.11 (good thru 05/14/26). Lease started ~Apr 2025.
Prius Prime (E421) — 2026 Toyota Prius Prime: $389.43/month, 27 months remaining, matures Sep 1, 2028. Lessee: Greg Rovelo only. Lease started ~Sep 2025.
Neither payment appears in Chase #8655 or Navy Fed personal #1394. Toyota dashboard shows two linked bank accounts: Navy Fed checking ending 1394 (PREFERRED) and a second account ending 7691 — another unidentified financial account. Combined vehicle burden is $1,541.81/month — the 3rd largest expense after mortgages.
Roadrunner/Octane portal now fully identifies this loan:
• Vehicle: 2025 Yamaha XSR900SCB "Raven" sports motorcycle
• Lender: Octane Financial (serviced as Roadrunner Account Services) · Acct #5968134
• Terms: 21.49% APR · 72-month term · $12,127.99 original loan amount · $301.07/month payment
• Status: 61 months remaining · Payoff balance $11,169.54 · Account current
• ⚠ Critical — Uriel Arrangement: Greg passed this motorcycle to a friend named Uriel, who is now in possession of the bike and reimburses Greg $301.07/month in cash. This makes it a pass-through liability: Greg holds the credit risk, the lender relationship, and the insurance liability — while someone else rides and enjoys the asset. If Uriel misses a payment, Greg is responsible. If the bike is damaged, Greg's credit is affected. This informal arrangement is undocumented and carries significant risk. The actual internet bill remains unidentified in a separate account.
Greg receives $301.07/month in cash from Uriel to cover the Yamaha XSR900 loan payment. This cash income is not deposited to any tracked bank account — it flows directly to the Octane/Roadrunner payment. While this technically offsets the loan payment, it: (1) does not appear in any bank statement, (2) is undocumented with no written agreement, (3) creates an informal credit liability that Greg cannot easily exit, and (4) ends the moment Uriel stops paying — leaving Greg with $301/month he must cover out of pocket on a 21.49% APR loan.
The prior model flagged an unidentified $4,797.92/month "Borrower Loan." We now have two confirmed mortgages totaling $4,563.24/month. The gap is $234.68 — which could be rounding, a now-resolved late fee, or a slightly different period's payment amount. It is likely that the "$4,797.92" in the prior model was an approximation of the combined Manor Dr + AR mortgage payments. Adding the Toyota Tundra lease payment would exceed this figure, suggesting the Tundra lease is tracked as a separate line. Conclusion: the two confirmed mortgages ($3,178.38 + $1,384.86) account for the bulk of the prior "Borrower Loan" estimate. Neither payment appears in Chase #8655 — both are paid from the Navy Federal Business Checking account.
Greg confirmed this Navy Federal EveryDay Checking (#7121271394) is his new personal account — replacing Chase #8655. The payroll routing change to Navy Fed in early March 2026 directly caused the Chase overdraft. The account also holds a second EveryDay Checking #7216288592 and a Membership Savings #3143652521 (joint owner: Sandra Rovelo, $5.00 balance). Note: This is a DIFFERENT account from the Rovelo Asset Management business checking (#7187620963) which remains unreviewed.
| Period | Starting Bal | Deposits/Credits | Withdrawals | Ending Bal | Status |
|---|---|---|---|---|---|
| Apr 20 – May 19, 2025 | $70.97 | $176.36 | $0.00 | $247.33 | Near-dormant (Delta refund) |
| May 20 – Jun 19, 2025 | $247.33 | $0.00 | $0.00 | $247.33 | Dormant |
| Jun 20 – Jul 19, 2025 | $247.33 | $0.00 | $0.00 | $247.33 | Dormant |
| Jul 20 – Aug 19, 2025 | $247.33 | $0.00 | $6.22 | $241.11 | Near-dormant (Tyne Coffee) |
| Aug 20 – Sep 19, 2025 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Sep 20 – Oct 19, 2025 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Oct 20 – Nov 19, 2025 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Nov 20 – Dec 19, 2025 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Dec 20 – Jan 19, 2026 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Jan 20 – Feb 19, 2026 | $241.11 | $0.00 | $0.00 | $241.11 | Dormant |
| Feb 20 – Mar 19, 2026 | $241.11 | $5,762.60 | $2,145.81 | $3,857.90 | ACTIVATED — Payroll starts |
| Mar 20 – Apr 19, 2026 | $3,857.90 | $5,877.23 | $6,721.48 | $3,013.65 | Primary account · heavy outflows |
Chase #8655 showed payroll of $2,675.13/check (confirmed on pay stubs, Jan–Feb 2026). Navy Federal now shows $2,923.61/check starting March 19 — a difference of $248.48 per biweekly check, or approximately $6,464/year. This could reflect a pay raise, a change in tax withholdings, a change in benefit deductions, or a different pay period structure. This discrepancy must be resolved against pay stubs for March–April 2026.
| Date | Recipient / Vendor | Amount | Type | Notes |
|---|---|---|---|---|
| 03-13 | Zelle DB Juan M Rousseau Cordoba | $460.00 | Recurring | Also seen in Chase ($350) and as Transfer ($160) — appears multiple times. Running ~$500+/month. |
| 03-25 | Transfer To Checking — Juan M Rousseau Cordoba | $160.00 | Recurring | Same recipient, different transfer type. Total Mar 2026: $620 to Juan alone. |
| 04-06 | Zelle DB Jason Frontela | $450.00 | Unknown | New — not seen on Chase. Who is Jason Frontela? Loan repayment, employee, arrangement? |
| 04-06 | Zelle DB Viridiana Martinez | $450.00 | Unknown | New — not seen on Chase. Same day as Jason Frontela. Significant combined outflow of $900 in one day. |
| 03-23 | Zelle DB Angel Gonzalez | $400.00 | Unknown | New recipient — not on Chase. One-time or recurring? |
| 03-23, 04-13 | Zelle DB David Lopez | $200 × 2 | Recurring | $200 twice in this period. Appears to be a regular obligation. |
| 03-06, 03-16 | Calcoast Branch (POS debit) | $200 + $430.39 | Cash | Withdrawals at CalCoast Credit Union ATM/teller. $630 in cash pulled in one month. Where is it going? |
| 03-27 | GoFundMe* Honoring | $116.50 | Charitable | Memorial or cause donation. One-time? |
| 03-23 | Mammoth Lakes Weekend (multi-charge) | ~$650 est. | Lifestyle | Mammoth Rental Shop (×3), Sun & Ski Sports, Stellar Brew, Burgers restaurant, McCoy Sports, Mammoth Mtn Retail, Johns Pizza, Black Velvet bar, Quality Inn Bishop. One weekend trip. |
| 04-04-05 | San Diego Day Out (multi-charge) | ~$200 est. | Lifestyle | SeaWorld, Liberty Public Market, The Lot, Bistro Europa, Urban Edison, Kebab Craft, Olala Crepes, HB Leisure, Belmont Park. Full day out. |
| 03-23, 04-13+ | Remitly (multiple) on Navy Fed | $120.01 + $189.14 + $17.20 + $119.62 | International | Remitly is ALSO running through Navy Fed. Combined with Chase Remitly, total international transfers exceed $1,800+ in 2 months. |
| 04-13 | Acima Digital LLC (×2) | $8.78 + $267.44 | BNPL | $267.44 is far higher than the $50.24 seen on Chase. Either a catch-up payment, balloon installment, or second Acima account. |
| 03-26, 04-14 | Home Depot (×4 visits) | $33.92 + $339.04 + $73.71 + $137.14 | Property? | $583.81 total. This is property maintenance/renovation spending. Which property? Multiple trips suggest active work. |
| 03-23 | Claude.ai Subscription | $84.55 | AI Tool | Claude Pro subscription. This is the AI tool Greg is using right now — $84.55/month. In addition to OpenAI on Chase. |
This individual now appears across both Chase AND Navy Fed with payments totaling over $620 in a single month. Chase showed $350 earlier. He may also be the same "Juan M Rousseau Cordoba" in earlier Zelle records. This could be a private lender, business partner, employee, or family obligation. At this volume it's a top-5 monthly expense that has never appeared in any prior financial model.
Two simultaneous $450 Zelle payments on April 6, 2026. Neither person appears anywhere in prior financial records. Could be rent payments for a property Greg is managing, payments to employees or contractors, or personal obligations. $900 in a single day is the largest two-transfer event in the Navy Fed data.
The Planet Home statement shows autopay from "Checking Account 0650." CalCoast Credit Union statement confirms the full account number is #0001080650 — last 4 digits = 0650. Joint account: Greg A. Rovelo + Sandra Rovelo at 9041 El Dorado Pkwy SPC 41. This CalCoast account is the "property operations account" — it receives VA benefits (~$3,938/mo), rental income, and pays both mortgages, the Prius lease, Ally loan, insurance, and solar. See Section 3D for the full 17-month analysis. Similarly, the NewRez Manor Dr mortgage ($3,178.38) also confirms routing from this same CalCoast account — NOT from the Navy Fed Business account as previously theorized.
The Membership Savings #3143652521 ($5.00 minimum balance) lists Sandra Rovelo as joint owner. This is Greg's mother or a family member. The savings account is effectively dormant — it holds the minimum $5.00 required for Navy Federal membership. There is no emergency savings buffer in this account.
Planet Home Lending's AR mortgage statement shows autopay from "Checking Account 0650." CalCoast Credit Union statement confirms the full account number is #0001080650 — last 4 digits = 0650. This is a joint account held by Greg A. Rovelo + Sandra Rovelo at 9041 El Dorado Pkwy SPC 41, El Cajon CA 92021 (Sandra's mobile home park address). This account functions as the property operations account — it receives VA benefits, rental income, and large check deposits, then pays both mortgages, the Prius lease, Ally loan, three insurance products, solar loan, and Mexico payments.
| Sub-Account | ID | Type | Notes |
|---|---|---|---|
| Primary Savings | 01 | Savings | Balance depleted from $5,576 (Dec 2024) to $7.00 (Apr 2026). Account barely open. |
| Free Checking with eStatements | 10 | Checking | Active — all mortgage, lease, insurance, and loan payments route through here |
| Joint Owners | Greg A. Rovelo + Sandra Rovelo · 9041 El Dorado Pkwy SPC 41, El Cajon CA 92021 · 17 statements reviewed: Dec 2024 – Apr 2026 | ||
| Source | Monthly Amount | Frequency | Notes |
|---|---|---|---|
| VACP TREAS 310 — VA Compensation & Pension | $3,831–$3,938/mo | Monthly (1st–2nd of month) | ✓ Greg's benefit — he confirmed he is the veteran. Tax-exempt federal income. ~$3,938.58/month Apr 2026. Consistent and secure. Sandra Rovelo (Greg's mom) is joint account holder only. |
| 1308 Manor Dr — Main House Rent | ~$2,800/mo | Monthly physical check | ✓ RESOLVED — tenant in the main house pays rent by check deposited to CalCoast. Greg lives in the modified garage unit (house hacking). The main house rental income is the 3rd-largest income stream in the entire household. |
| Marshall's Management — AR rental net | $549.38/mo | Monthly ACH | Net proceeds after Marshall's mgmt fees. Confirms AR property (2300 S N St) is occupied and generating rent. |
| Capital One (incoming credit) | ~$115/mo | Monthly | Credit or refund from Capital One — could be cashback, rewards, or loan payoff credit. |
| Total Monthly Income Into CalCoast | ~$7,403/mo | VA benefit $3,938 + check deposits $2,800 + Marshall's $549 + Capital One $115. Does NOT include any ad-hoc deposits. | |
| Recipient | Monthly Amount | Type | Notes |
|---|---|---|---|
| NewRez LLC — 1308 Manor Dr | $3,178.38 | Mortgage | Both mortgages route through CalCoast — NOT Navy Fed Business as previously theorized. Autopay confirmed. |
| Planet Home Lending — AR property | $1,384.86 | Mortgage | Autopay confirmed from "Checking Account 0650" per Planet Home statement. 6.49% rate, $755.27/mo interest. |
| Toyota Financial — Prius Prime (E421) | $389.43 | Vehicle Lease | Prius lease payment confirmed through CalCoast. NSF bounce April 2026 — payment failed, $14 NSF fee charged. Account under stress. |
| Ally Bank → Navy Federal Used Vehicle Loan #1077 ✓ RESOLVED — 2020 Jeep Gladiator · Refinanced | $790.46 (old Ally · now REFI'd) | ✓ Resolved | CONFIRMED: The recurring $790.46/mo Ally Bank payment was a 2020 Jeep Gladiator auto loan, now REFINANCED to Navy Federal Used Vehicle Loan #1077 at $636.57/month. Balance $30,514.33. Next payment due 07/19/2026. CalCoast statements still show the old Ally payment because the refi is recent. Saves ~$154/month vs. the old Ally payment. |
| Mosaic / Solar Servicing #269936 | $200/mo ✓ | Solar Loan · Confirmed | ✓ CONFIRMED from portal. Current balance $4,409.16 (was $16,040 orig). Greg overpays at $200/mo vs $106.29 min — $177.42 principal + $22.58 interest per payment. Nearly paid off: gone mid-2028 at current pace. Adds property value + reduces electric bill at 1308 Manor Dr. |
| Columbus Life Insurance (×2 policies) | $595.98 | Life Insurance | Two Columbus Life premiums: $350.00 + $245.98 = $595.98/mo. Columbus Life is a Western-Southern subsidiary. Insured parties unknown (Greg, Sandra, or both). |
| Western-Southern Life | $198.54 | Life Insurance | Third life insurance policy. Same parent company as Columbus Life. Combined life insurance burden: $794.52/month across three policies. |
| OG&E / Arkansas Electric | ~$35/mo | Utility | Oklahoma Gas & Electric — utility for AR property (Fort Smith). Low charge suggests tenant pays most utilities or this is a base service fee. |
| Openpay/Cobroplan — Rancho Tecate Land ✓ RESOLVED — Mexico land investment · Pagaré 49/120 | ~$536/mo normal ($486 land + $50 HOA) Up to $590 w/late fees | Land Asset | Two-part payment: (1) RGR-Global-Business land installment — Pagaré 49/120, $486.46/mo (principal + interest, no late fees); (2) HOA — Asociación de Usuarios Rancho Tecate Resort, Sección Lomas A.C. — $50/month. Land located KM 10.5 Carretera Tecate-Ensenada, Tecate B.C. Mexico. On payment 49/120 → 71 payments remaining ≈ $34,500+ owed. Higher CalCoast amounts ($1,131) reflect catch-up double payments or months with moratorios (late fees $48.65 seen April 2026). |
| Remitly (international transfers) | Variable | International | Remitly also flows through CalCoast in addition to Chase and Navy Fed. Three-account Remitly activity means total international transfers far exceed the $730/month estimated from Chase alone. |
| Total Confirmed CalCoast Outflows | ~$6,428–$6,974+/mo | Mortgages $4,563 + Prius $389 + (Ally now refi'd to Navy Fed $637 — transitional) + Solar $200 + Life Insurance $794 + OG&E $35 + Rancho Tecate land $486 + HOA $50. Variable Remitly excluded. Higher amounts reflect catch-up months on Mexico land payments. | |
The CalCoast savings account (sub-account 01) had a healthy $5,576 balance in December 2024. By April 2026, it stood at $7.00 — the bare minimum to keep the account open. The account was drawn down month by month with no meaningful replenishment, confirming the property operations account is running a structural cash flow deficit. When savings hit zero in April 2026, the Toyota Prius payment bounced with an NSF fee — a first sign of property account insolvency.
| Period | Savings Balance | Trend | Notable Event |
|---|---|---|---|
| Dec 2024 | $5,576 | — | Healthy starting buffer |
| May 2025 | ~$3,000–4,000 est. | ↓ Declining | Monthly shortfalls drawing down savings |
| Jul 2025 | ~$2,000–3,000 est. | ↓ Declining | Openpay Mexico payments growing |
| Jan 2026 | ~$1,000–2,000 est. | ↓ Accelerating | Las Vegas trip Jan 17–19 · Big Bear Jan 5–6 visible in statements |
| Feb 2026 | ~$500 est. | ↓ Critical | Buffer nearly exhausted |
| Mar 2026 | ~$100–200 est. | ↓ Near zero | Account surviving on fumes |
| Apr 2026 | $7.00 | ↓ DEPLETED | ⚠ Prius lease payment BOUNCED — NSF $14 fee charged |
| Total Savings Consumed in 16 Months | ~$5,569 | Property operations account running structural monthly deficit | |
The $790.46/month Ally Bank payment is confirmed as a 2020 Jeep Gladiator auto loan — now refinanced to a Navy Federal Used Vehicle Loan (Loan #1077) at $636.57/month. Balance at refi: $30,514.33. Next payment due 07/19/2026. The refinance saves approximately $154/month compared to the old Ally payment. The CalCoast statements reflect the old Ally payment history; Navy Fed will take over from July 2026 onward. No additional unknown Ally debt exists — this was the 2020 Gladiator loan the whole time.
Three separate life insurance premiums paid monthly from CalCoast:
• Columbus Life — Policy 1: $350.00/mo
• Columbus Life — Policy 2: $245.98/mo
• Western-Southern Life: $198.54/mo
• Total: $794.52/month = $9,534/year
Columbus Life and Western-Southern are the same parent company (Western & Southern Financial Group). These may be whole life policies with accumulated cash value that could be borrowed against or surrendered to improve cash flow immediately.
Confirmed from Solar Servicing portal (05/04/2026). Loan #269936: original balance $16,040, rate 5.99%, Greg voluntarily pays $200/mo (minimum is $106.29). May 2026 payment: $177.42 principal + $22.58 interest. Remaining balance: $4,409.16. At $200/mo this loan is completely paid off in ~23 months — approximately mid-2028. Far smaller than originally feared. Beginning of year balance was $5,286.77 — already down $877 in 4 months of 2026. This is a self-liquidating asset-backed loan with a clear end date.
Openpay*Cobroplan SC (Mexican installment plan processor) payments have grown from approximately $537/month in early 2025 to $1,131/month in 2026 — more than doubling in less than a year and still growing. At $1,131/month, this rivals the Prius lease payment and is now a top-6 monthly expense. Possible causes: Odesa's Tijuana physical therapy treatment costs, Mexico property financing, vehicle purchase in Mexico, or growing family financial obligation south of the border.
Greg confirmed he is the veteran. The ~$3,938.58/month VACP TREAS 310 benefit is his own VA Compensation & Pension — tax-exempt, federally guaranteed income. At $47,256/year, this fundamentally changes the financial picture: Greg is not income-poor — the problem is spending and structural cash flow misalignment, not earnings. A benefit at this level implies a 80–100% combined disability rating. This income is inflation-adjusted and arrives monthly regardless of employment status — making it a highly reliable base. Immediate action: ensure this income is being factored into all debt payoff plans and that it is protected from garnishment (VA benefits cannot be garnished by most creditors).
| Category | Vendor | Monthly Amount | Account Code | Status |
|---|---|---|---|---|
| Debt Service | ||||
| Credit card | Best Buy Citi — ONE card ending 6430 | min. pay est. ~$25/mo | 6001 | ⚠ PAST DUE · $84.86 balance · deferred interest trap |
| Credit card | Capital One Quicksilver ...6629 | ~$100+/mo | 6002 | Active · $928.22 balance confirmed |
| Credit card | Capital One Platinum ...2877 | ~$25+/mo | 6002 | Active · $161.55 balance confirmed |
| BNPL | Affirm — 3 active loans | $832.26/mo | 6006 | Confirmed · Rack Attack $297 + Ikon Pass $316 + Nelson's $219 |
| BNPL | Klarna (account listed as CLOSED Mar 2026) | $365.54 final installment | 6006 / Navy Fed | ⚠ Final installment seen 03-11-26 (Klarna*Samuel Rich) — existing BNPL paying down · Not new credit |
| BNPL/Rent-Own | Acima Digital LLC — Traxxas TRX-4 Bronco TRA82246-4 | $258.97 EPO ($46.63 biweekly if lease runs) | Navy Fed 1394 | ⚠️ EPO expires June 3, 2026 · Lease #30519882 · 4 of 26 payments made · Pay EPO to save $673 |
| Vehicle Loan | Navy Fed Used Vehicle Loan #1077 — 2020 Jeep Gladiator | $636.57/mo | 4003 | Confirmed · Refi from Ally · Next due 07/19/2026 |
| Vehicle Lease | Toyota Tundra (A672) | $1,152.38/mo | 4001 | Confirmed · Apr 2025 – Apr 2028 |
| Vehicle Lease | Toyota Prius Prime (E421) | $389.43/mo | 4002 | Confirmed · Sep 2025 – Sep 2028 |
| Utilities & Communications | ||||
| Wireless | AT&T (8-line plan) | $313.95/mo | 5001 | Active |
| Vehicle Loan | Octane Financial / Roadrunner — 2025 Yamaha XSR900 "Raven" (#5968134) ⚡ Uriel reimburses $301.07/mo cash (pass-through) | $301.07/mo | 6003 | ⚠ Uriel Pass-Through · $11,170 balance · 21.49% APR |
| Home Internet | Wyyerd — 1308 Manor Dr personal internet ✓ Confirmed · Downgraded 5G→1G plan May 2026 | $69/mo (new plan) was $114.97 | 5002 | ✓ Resolved · Saves $46/mo starting next month |
| Mexico Land | Cobroplan — Rancho Tecate Land Installment (RGR-Global-Business) Pagaré 49/120 · KM 10.5 Carretera Tecate-Ensenada | $486/mo (land) +$50/mo (HOA) | 8001 | Land Asset · 71 payments remaining · ~$34,500 owed |
| Digital Subscriptions | ||||
| ✅ Confirmed Active on Navy Fed (Jan–Apr 2026 Audit) | ||||
| AI tool | Claude.ai Pro (Anthropic.Com) — NEW confirmed | $84.55/mo | Navy Fed 1394 | Active · 03-20-26 statement |
| Storage | Dropbox 9K4Fv34S77 | $19.99/mo | Navy Fed 1394 | Active · 04-12-26 confirmed |
| Web hosting | GoDaddy (multiple domains — Dnh*GoDaddy) | $57+ seen in Mar–Apr | Navy Fed 1394 | Active · 3 renewals in 30 days ($13.19 × 2 + $31.38) — audit domains |
| Wireless/Utility | AT&T Sf9E (El Cajon) | $103.14/mo | Navy Fed 1394 | Active · 04-17-26 · Note: prior model showed $313.95 for 8-line plan — verify if separate bill |
| ❌ Cancelled / Not on Navy Fed — Chase-Routed (May 2026 audit) | ||||
| Dev tool | Albert Genius (cash advance app) | $0 — CANCELLED | 7005 → CLOSED | ✓ Done — Chase closed |
| Gaming | Xbox GamePass (ghost — PayPal route) | $0 — CANCELLED | PayPal → Chase → CLOSED | ✓ Done — Chase closed |
| Streaming | Peacock (via PayPal → Chase) | $0 — CANCELLED | 7005 → CLOSED | ✓ Not on Navy Fed — presumed cancelled with Chase |
| Creative suite | Adobe (2 plans — was double billing) | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — was on Chase · Confirm cancelled or find new card |
| Website | Squarespace | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — verify cancelled |
| AI tool | OpenAI ChatGPT Plus | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — verify cancelled or moved to new card |
| Dev tool | GitHub | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — verify |
| Streaming | Netflix | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — verify cancelled or moved |
| Transport | Uber One | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr |
| Apple | Apple.com/Bill (2 charges) | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr — may have moved to Apple Card or Capital One |
| Investing | Robinhood | Status unknown | 7005 — verify | Not on Navy Fed Jan–Apr |
| Lifestyle Recurring | ||||
| Gym | Planet Fitness | $0 — CANCELLED | Chase → CLOSED | ✓ Was on Chase · Not billing anywhere since Chase closed · Confirmed cancelled |
| Car wash | Soapy Joe's | $0 — CANCELLED | Chase → CLOSED | ✓ Chase closed May 2026 |
| TOTAL CONFIRMED RECURRING | ~$2,437/mo est. | Before food, gas, or cash transfers | ||
Remitly is an international money transfer service. Multiple transfers were sent in Jan–Mar 2026, totaling over $1,300 in 54 days. This was never disclosed in any prior financial discussion and does not appear in any financial model. At this run rate, Remitly outflows are approximately $600–700/month — larger than most individual debt payments.
| Date | Transaction ID | Amount | Running Total |
|---|---|---|---|
| 01/24 | Rmtly* C304D | -$183.12 | $183.12 |
| 01/24 | Rmtly* Hd1E1 | -$93.64 | $276.76 |
| 01/24 | Rmtly* S4CD7 | -$38.65 | $315.41 |
| 02/14 | Rmtly* F00D5 | -$63.28 | $378.69 |
| 02/20 | Rmtly* E0D9E | -$215.19 | $593.88 |
| 02/20 | Rmtly* J2F64 | -$305.02 | $898.90 |
| 02/21 | Rmtly* Gf61C | -$177.31 | $1,076.21 |
| 02/21 | Rmtly* K75Ac | -$62.91 | $1,139.12 |
| 03/07 | Rmtly* H1718 | -$174.40 | $1,313.52 |
| 54-day total | -$1,313.52 | ~$730/mo avg | |
Who is receiving these transfers? Mexico is likely given other Mexico-related transactions (Tijuana Openpay, Mexico food purchases). Are these family support payments, a business obligation, or something else? The amounts vary significantly ($38–$305 per transfer, sometimes 3 in one day), suggesting multiple recipients or irregular obligations. This must be disclosed and categorized before any debt payoff plan can be built.
| Date | Recipient | Amount | Status |
|---|---|---|---|
| 01/26 | Juan M. Rousseau Cordoba | -$350.00 | Unknown |
| 02/09 | Nara — Compa De Chuy Electricista | -$600.00 | Contractor? |
| 02/20 | Oscar's Wife (Jpm99C6Djgev) | -$250.00 | Recurring |
| 02/20 | Nara — Compa De Chuy Electricista | -$400.00 | Contractor? |
| 02/27 | Oscar's Wife (Jpm99C78X1Hl) | -$250.00 | Recurring |
| 03/09 | Oscar's Wife (Jpm99C8Cgtok) | -$140.00 | Recurring |
| 54-day total | -$1,990.00 | ~$1,100/mo unaccounted | |
Oscar helped with maintenance work at the Arkansas property (2300 S N St, Fort Smith). Payments to "Oscar's Wife" were Zelle reimbursements for that maintenance work — likely routed to his wife's Zelle account. This was an episodic, not recurring, property maintenance expense for the AR rental. Not a loan repayment or ongoing obligation — tied to specific AR property work.
Chuy is an electrician working on the 1308 Manor Dr property improvements under Juan M. Rousseau's supervision. Payments routed through his partner Nara's Zelle account. Part of the broader ADU + driveway construction project. This is capital expenditure — property improvement that adds value to Manor Drive — not a recurring operating expense.
The Cobroplan charges are two separate payments each month: (1) Land installment to RGR-Global-Business — Pagaré 47–49/120, ~$486/month (principal + interest); and (2) HOA fee to Asociación de Usuarios de Rancho Tecate Resort – Sección Lomas A.C. — $50/month. The land is located at KM 10.5 Carretera Tecate-Ensenada in Tecate, Baja California. Combined normal monthly payment: ~$536. When paid with late fees (moratorios), the total can reach $589+. Catch-up double payments explain the $1,131 months seen in CalCoast. This is a land asset being acquired on a 10-year installment plan — 71 payments remain (~$34,500 owed).
Affirm account screenshots provide exact balances and payment schedules for all 3 active loans. Total Affirm balance: $4,332.54. Additionally, Affirm payment history reveals two unidentified Visa cards used to make past Affirm payments: Visa **** 0467 and Visa **** 0266 — two more credit cards not in any prior inventory.
| Loan / Purchase | Remaining Balance | Payment | Payments Left | Due Date | Notes |
|---|---|---|---|---|---|
| Rack Attack (bike accessories) | $1,782.58 | $297.19/mo | 6 payments | 13th of month | Active · largest Affirm loan |
| Ikon Pass 26/27 (ski season pass) | $1,898.00 | $316.33/mo | 6 payments | 20th of month | Active · financed a ski season pass · also had 25/26 pass ($2,658 paid Oct 2025) |
| Nelson's Photo (photography) | $651.96 | ~$218.74/mo | 3 payments | Monthly | Active · nearly paid off |
| Total Active Affirm Balance | $4,332.54 | $832.26/mo combined | 3 active loans · all current · $832/month in Affirm payments alone | ||
| Purchase | Amount | Paid Date | Notes |
|---|---|---|---|
| El Cajon Motorworld | $3,000.00 | Oct 2025 | Vehicle dealer — possibly a down payment or service |
| Guitar Center | $760.00 | Sep 2025 | Music equipment |
| America's Best | $205.00 | Paid | Eyewear / vision |
| Amazon | $61.19 | Paid | General purchase |
| Ikon Pass 25/26 | $2,658.00 | Oct 2025 | Prior season ski pass — also financed via Affirm |
| Lender | Monthly Payment Seen | Known Balance | APR | Notes |
|---|---|---|---|---|
| Klarna | $364.57 seen | Unknown | Unknown | Reference: "Klarna* Samuel Richar" — large one-time or installment? |
| Acima — Traxxas TRX-4 Bronco TRA82246-4 ✓ Lease #30519882 · El Cajon Hobbies · EPO $258.97 due by June 3, 2026 |
$46.63 biweekly ($50.24 w/tax · ~$101/mo) |
$258.97 EPO by June 3 ($932.41 if lease runs to term — not intended) |
Rent-to-own: effectively 125% over cash price | 4 of 26 payments made · Cash price $538.75 · Total if all paid: $1,212.19 ⚠ Early purchase option was $258.97 (expiration 06/03 — may have passed) The $267.44 seen on 04/13 Navy Fed was a one-time catch-up, NOT monthly rate |
| Best Buy Citi — ONE card ending 6430 ⚠ PAST DUE · Deferred Interest Trap |
Autopay reversed 04/07 Minimum ~$25/mo |
$84.86 statement bal. $350 credit limit (maxed) |
28.74% APR | ⚠ ONE card only (not two) · Card ending 6430 · Past due $29 · Late fee $29 charged 🚨 Deferred interest promo expires May 08, 2027 — if $350 not paid by then, ALL backdated interest at 28.74% charged retroactively. May 1 purchase: $350 Best Buy Sandy UT. |
| Capital One — Quicksilver ...6629 | ~$25+/mo | $928.22 | Unknown | ✓ Confirmed from Capital One app screenshot May 2026 · Quicksilver card (cashback) |
| Capital One — Platinum ...2877 | ~$10+/mo | $161.55 | Unknown | ✓ Confirmed from Capital One app screenshot May 2026 · Platinum card · smaller balance |
| Visa **** 0467 | Unknown | Unknown | Unknown | ⚠ Found in Affirm payment history — a credit card not yet in any inventory. Which bank issued it? |
| Visa **** 0266 | Unknown | Unknown | Unknown | ⚠ Found in Affirm payment history — second unidentified Visa card. Neither 0467 nor 0266 match any known account. |
| BNPL + CC Known Balances | ~$1,100+/mo | ~$7,526+ | Affirm $4,332.54 + Capital One $1,089.77 + Acima $258.97 EPO (June 3) + Best Buy $350 + Klarna (closed Mar 2026). Affirm $832/mo + Cap One ~$135/mo + Best Buy past due. Excludes mortgage/vehicle debt. | |
The three confirmed active Affirm loans total $4,332.54 with combined payments of $832.26/month — far higher than the $258.74 previously estimated. Additionally, Affirm payment history reveals Visa **** 0467 and Visa **** 0266 — two credit cards not found anywhere in bank statement records. These could be store cards, Navy Fed credit cards, or cards tied to one of the mystery accounts. Full credit report pull is required to surface all outstanding balances.
The Best Buy Citi card ending 6430 carries a deferred interest promotion expiring May 08, 2027. If the full balance ($350 credit limit — currently maxed after a 05/01/2026 Best Buy purchase) is not paid in full by that date, Citi will retroactively charge all interest at the full 28.74% APR for the entire promo period. The account is also currently past due (autopay reversed 04/07, late fee $29 charged). Action required: (1) bring account current immediately, (2) set up a new autopay or calendar reminder, (3) pay off the $350 balance well before May 2027.
Capital One app screenshots confirm exactly two cards: Quicksilver ending 6629 = $928.22 balance (cashback card, higher limit), and Platinum ending 2877 = $161.55 balance (smaller credit-builder card). Combined total: $1,089.77. No mystery here — the two Capital One entries in bank statements were covering both cards. Priority: pay Quicksilver 6629 faster given its higher balance. Both cards should be evaluated for interest rate vs. credit score utilization impact.
| Service | Monthly Cost | Business? | Action |
|---|---|---|---|
| Adobe (Plan 1) | $29.99 | Possible | Audit — consolidate |
| Adobe (Plan 2) | $59.99 | Possible | Paying twice for Adobe |
| GoDaddy (multiple domains) | ~$115 | Yes? | Reduce domain count |
| Squarespace | $40.00 | Yes? | Review if generating revenue |
| Albert Genius | $0 — CANCELLED | Cancelled | ✓ Resolved — Chase closed May 2026 |
| Xbox GamePass (ghost 7+ yrs) | $0 — CANCELLED | Cancelled | ✓ Resolved — PayPal→Chase route severed |
| Dropbox | $19.99 | Partial | Downgrade or cancel |
| OpenAI ChatGPT Plus | $20.00 | Possible | Review |
| GitHub | $10.00 | Yes | Keep if coding |
| Apple.com/Bill | ~$16 | No | Audit what's included |
| Netflix | $7.99 | No | Low — keep or cut |
| Peacock | $10.99 | No | Cut — streaming overlap |
| Uber One | ~$4.00 | No | Low |
| Robinhood | $5.00 | No | Review |
| Hostinger | ~$4.00 | Yes? | Review |
| TOTAL | ~$382/mo | Estimated savings if pruned: $180–220/mo | |
Two separate Adobe charges hit each month — $29.99 and $59.99. These appear to be two different Adobe plans (possibly individual Creative Cloud + a higher-tier plan, or two separate accounts). This is $89.98/month total. One should be cancelled immediately — estimated savings: $30–60/month.
Coffee shops: Tyne Coffee, Cafe Bella, Intazza, Rise to Grind appear multiple times per week — easily $150–200/month.
Mexico activity: Purchases in Tecate and Tijuana (farm store, coffee shop, Tijuana birreria) suggest regular cross-border trips. FX fees add up.
Business printing: NextDayFlyers $65.37 + Gotprint.com $52.14 = $117.51 in one month suggests active marketing for a business side project.
Carmount.com Tallinn, Estonia: $79.98 charged from Estonia — Carmount is an online vehicle import/auction platform. What was purchased?
| Income Item | Monthly Estimate | Account | Source / Confidence |
|---|---|---|---|
| Los Reyes Tire Payroll (net) | +$5,796 | Chase / Navy Fed | Confirmed — biweekly $2,675–$2,923/check |
| Isaac Caballero ADU Rent | +$1,275 | Chase | Confirmed — Zelle, $675 + $600 split |
| VA Benefit (VACP TREAS 310) | +$3,938 | CalCoast | Confirmed — NEW · monthly federal deposit · Greg or Sandra |
| Unknown Check Deposits | +$2,800 | CalCoast | Unidentified — consistent monthly checks · source unknown |
| Marshall's Mgmt (AR rent net) | +$549 | CalCoast | Confirmed — monthly ACH from Marshall's property management |
| Bridge Arx / DolarApp | +$200 | Chase | Irregular — averaging low |
| Other occasional Zelle inflows | +$75 | Chase | Misc — Raquel M. Reyes, etc. |
| Uriel — Yamaha XSR900 Cash Reimbursement | +$301 | Cash (not deposited) | Informal — Cash paid to Greg · flows directly to Octane payment · not in any bank account |
| Total Household Income (All Accounts) | ~$14,934/mo | Payroll $5,796 + VA benefit $3,938 + checks $2,800 + AR rent $549 + ADU rent $1,275 + Uriel $301 + misc $275. Excludes Navy Fed Business account income. Uriel is cash pass-through, not true net income. | |
| Outflow Category | Monthly Estimate | Confidence |
|---|---|---|
| AT&T wireless (8-line) | $314 | Confirmed |
| Yamaha XSR900 Loan (Octane) — Uriel pass-through | $301 | Net $0 (Uriel pays cash) · Greg holds risk |
| Best Buy Citi — card ending 6430 (PAST DUE) | ~$25 min. | ⚠ Past due · deferred interest trap May 2027 |
| Capital One (Quicksilver 6629 + Platinum 2877) | ~$135 | Confirmed · 2 cards · $1,089.77 total |
| Affirm (3 active loans) | $832 | Confirmed · Rack Attack + Ikon Pass + Nelson's Photo |
| $0 | ✓ RESOLVED — Confirmed closed on Experian credit report · No active balance | |
| ✓ Costco Anywhere Visa by Citi (2145 / 410039) | $476 min ✓ | ⚠ PAST DUE + OVER LIMIT — $6,373 current bal · 26.74% APR · $158/mo interest · autopays Navy Fed 1394 · Apr bounce RTN R02 $41 fee · $601 interest paid 2026 YTD |
| ✓ Stellantis Financial Services — 2022 Dodge Charger (Salomon) | $1,416 ✓ | ✓ RESOLVED — $37,170 balance · 14.99% APR · VIN 2C3CDXGJ7NH235026 · Salomon pays from his BofA autopay — never hits Greg's accounts · Payoff Dec 2028 |
| Acima — Traxxas RC Truck (biweekly) | ~$101 | ✓ Corrected — $46.63 biweekly (NOT $267.44/mo) |
| Digital subscriptions | $382 | Confirmed |
| Remitly (international transfers — all accounts) | $900+ | ⚠ Confirmed across Chase, Navy Fed, CalCoast · underestimated |
| "Oscar's Wife" Zelle | $320 | Confirmed recurring |
| Nara/Chuy Electricista Zelle | $500 | Variable — project? |
| Planet Fitness | $0 — CANCELLED | ✓ Was Chase-billed · Not billing anywhere since Chase closed |
| Soapy Joe's car wash | $0 — CANCELLED | ✓ Chase closed May 2026 |
| Albert cash advance fees | $0 — CANCELLED | ✓ Chase closed May 2026 |
| Food / Dining / Coffee | $700 | Estimated from sampling |
| Gas / Transportation | $175 | Estimated |
| Shopping / Personal | $350 | Estimated from sampling |
| Entertainment / Activities | $250 | Estimated — high |
| NewRez — Manor Dr mortgage | $3,178 | Confirmed · CalCoast #0001080650 (NOT Navy Fed Business) |
| Planet Home — AR mortgage | $1,385 | Confirmed · CalCoast autopay "acct ending 0650" = confirmed |
| Toyota Tundra Lease (A672) | $1,152 | Confirmed · Autopay from acct ending 1394 or 7691 |
| Toyota Prius Prime Lease (E421) | $389 | Confirmed · CalCoast · NSF bounce Apr 2026 |
| Roadrunner Account Services (personal loan) | $301 | ⚠ LOAN — not internet — $11,163 payoff balance |
| Navy Fed Used Vehicle Loan — 2020 Jeep Gladiator (refi from Ally) | $637 | ✓ RESOLVED — was Ally $790 · now Navy Fed $637 · saves $154/mo |
| Life Insurance (3 policies) | $795 | ⚠ NEW · CalCoast · Columbus Life ×2 + Western-Southern |
| Mosaic Solar Loan | $200 | ⚠ NEW · CalCoast · likely Manor Dr solar panels |
| Openpay / Cobroplan Mexico | $1,131 | ⚠ NEW · CalCoast · growing rapidly from $537/mo in 2025 |
| Total All Confirmed + Estimated Outflows | ~$20,900+/mo | v6 UPDATE: Added CITI 410039 ($274/mo) + Stellantis ($1,416/mo) from credit report. Klarna removed (CLOSED). Net change: +$1,510/mo. Prior total was ~$19,200. Does not include any untracked Navy Fed Business outflows or Stellantis payment if already running through a different account. |
The full picture is now clearer with 17 months of CalCoast data:
Chase / Navy Fed Personal → Greg's personal daily-use accounts (payroll, groceries, subscriptions, Remitly, Zelle to contractors).
CalCoast CU #0001080650 → Property operations hub. Receives VA benefit (~$3,938/mo) + rental income. Pays BOTH mortgages ($4,563/mo), Prius lease ($389), Ally loan ($790), three insurance policies ($795), solar loan ($200), and Mexico payments ($1,131).
Navy Fed Business #7187620963 → Rovelo Asset Management. Purpose still unknown — no statements reviewed. Could receive business income or handle additional property costs.
This three-account structure explains why Chase always appears cash-starved: the large property obligations run through a completely separate institution. It also means the household income is significantly higher than Chase-only analysis showed — VA benefits alone add ~$47,000/year.
Ghost #1 — Remitly International Transfers (~$730/mo)
Never mentioned. Likely Mexico. Could be family support, a business arrangement, or loan repayment to someone overseas. Must be explained before any recovery plan can be accurate.
Ghost #2 — RESOLVED ✓ "Oscar's Wife" = AR Property Maintenance (Oscar, Handyman)
Oscar performed maintenance work on the Arkansas rental property (2300 S N St, Fort Smith). Payments were routed to his wife's Zelle account. These were episodic property maintenance costs for the AR rental — not a recurring obligation or loan. Cost tied to specific repair work as needed.
Ghost #3 — RESOLVED ✓ Nara / Chuy Electricista = 1308 Manor Dr Construction Labor
Chuy is an electrician on the Manor Drive construction project, working under Juan M. Rousseau's supervision. Payments go to his partner Nara's Zelle. This is capital expenditure (property improvement) for the ADU/driveway project — adds value to the property rather than being operating expense. Ongoing as construction continues.
Ghost #4 — RESOLVED ✓ Openpay/Cobroplan = Rancho Tecate Land Investment, Baja California
Two monthly charges: (1) Land installment to RGR-Global-Business — Pagaré 49/120, ~$486/month principal+interest, for land at KM 10.5 Carretera Tecate-Ensenada, Tecate B.C. Mexico; (2) HOA to Asociación de Usuarios Rancho Tecate Resort – Sección Lomas A.C. — $50/month. Normal monthly total: ~$536. On payment 49/120 → 71 payments remaining ≈ $34,500 owed. Late fees add $48.65 when payments are delayed. Higher CalCoast amounts represent catch-up months. This is a LAND ASSET in Mexico, not a service or debt repayment.
Ghost #5 — RESOLVED ✓ Wyyerd = Greg's Personal Home Internet at 1308 Manor Dr
Wyyerd is Greg's home internet service at 1308 Manor Dr. Previously on a 5-gig plan at $114.97/month — Greg called in May 2026 to downgrade to the 1-gig plan at $69/month. The change takes effect next month. Saves $46/month. AT&T was the prior internet provider and was cancelled; Wyyerd replaced it. No second internet line exists.
Ghost #6 — Carmount.com Tallinn, Estonia ($79.98)
Vehicle import/auction platform based in Estonia. Flagged as suspicious foreign transaction. What was purchased and is this recurring?
Ghost #7 — ✓ RESOLVED: Albert Cash Advance App — CANCELLED via Chase Account Closure (May 2026)
Albert was a cash advance / savings app that charged $39.99/month for "Albert Genius." It made multiple small withdrawals ($5–$86 each, often daily) and occasional large inflows ($300) — a net drain. The fee had grown from ~$3/month when first enrolled to $40/month after a merger/buyout, and the app was designed to make cancellation nearly impossible through normal means. After years of failed cancellation attempts, Greg closed the Chase account (the funding source), which automatically terminated Albert. Fee was $40/month by cancellation. The app had also been pulling Greg's Experian credit file every single day — that surveillance has also stopped. Net impact: +$40/mo recovered. Daily credit surveillance terminated.
Ghost #8 — RESOLVED ✓ Greg Lives in Modified Garage Unit at 1308 Manor Dr — House Hacking, No External Housing Cost
Greg converted the garage at 1308 Manor Dr into his personal residence. No external rent or lot rent. Sandra Rovelo (Greg's mom) lives at 9041 El Dorado Pkwy SPC 41 — Greg's former address before he moved to Manor Drive. The property now operates as a 3-unit income property: main house (~$2,800/month check), ADU/Isaac ($1,275/month Zelle), and a 4th unit (new ADU under active construction). Greg's housing cost = $0 separate rent; his portion of the mortgage is effectively covered by rental income.
Ghost #9 — RESOLVED ✓ Rovelo Asset Management Navy Fed Business Account = Dormant · Never Activated
The Navy Federal Business Checking (#7187620963) opened Sep 2024 was never used — Navy Fed Business accounts lack Zelle, and Greg needs Zelle to receive Isaac's rent. The account sits dormant. Both mortgages are paid from CalCoast CU. No invisible business income or outflows in this account. The "mystery" of where the Manor Dr mortgage payment originates is fully resolved: CalCoast CU, not this business account.
Ghost #10 — RESOLVED ✓ Toyota Tundra Monthly Payment = $1,152.38
Confirmed from Toyota Financial billing statements (Nov 2025–Apr 2026, account A672): $1,152.38/month due the 26th of each month. 36-month lease started ~Apr 26, 2025. 23 months remaining. Joint lessees: Greg + Odesa. No late charges — account is current. Autopay from bank account ending 1394 (Navy Fed personal, primary) or 7691 (unknown secondary account).
Ghost #11 — AR Property PMI/MIP ($193.56/mo)
The Planet Home statement shows a MIP (Mortgage Insurance Premium) disbursement of $193.56/month from the escrow account. This is included in the $485.10 escrow payment but was not broken out in any prior financial model. PMI/MIP is dead money — it protects the lender, not Greg. On an FHA loan, MIP typically stays for the life of the loan unless refinanced. At 6.49% on $139,650, this loan is a candidate for refinance analysis when equity and rate conditions allow.
Ghost #12 — NEW: Toyota Prius Prime Lease ($389.43/mo) — Second Vehicle Never Disclosed
A second Toyota lease for a 2026 Prius Prime (account E421) was revealed on the Toyota Financial dashboard. $389.43/month, 36-month lease started ~September 2025, matures Sep 1, 2028 with 27 months remaining. This is in Greg's name only (no co-lessee). This vehicle and its payment were never mentioned in any prior financial discussion and do not appear in Chase or Navy Fed personal statements. Where does this $389.43/month payment come from? This is another unknown payment routing question.
Ghost #13 — RESOLVED ✓ Roadrunner = 2025 Yamaha XSR900 "Raven" Sports Bike · 21.49% APR · Uriel Arrangement
The $301.07/month Roadrunner/Octane loan is now fully identified: 2025 Yamaha XSR900SCB "Raven" sports motorcycle financed through Octane Financial. 21.49% APR · 72-month term · $12,127.99 original amount · 61 months remaining · $11,169.54 payoff balance. Greg passed the motorcycle to a friend named Uriel, who possesses the bike and reimburses Greg $301.07/month in cash. The cash flows directly to the Octane payment. Greg holds the credit liability. The motorcycle itself is not available to Greg. Actual internet service is still unidentified. This informal arrangement creates risk: if Uriel misses a payment, Greg absorbs $301/month on a 21.49% APR loan for an asset he doesn't have.
Ghost #14 — PARTIALLY RESOLVED ✓ "Account 0650" = CalCoast CU #0001080650
The Planet Home AR mortgage autopay "Checking Account 0650" is confirmed as CalCoast Credit Union account #0001080650 — joint account of Greg A. Rovelo and Sandra Rovelo at 9041 El Dorado Pkwy SPC 41. The "7691" account linked to Toyota Financial payments remains unresolved — it does not match the CalCoast account number (0001080650). It may be a different CalCoast sub-account, a separate institution entirely, or a Navy Fed account segment. Continued investigation needed.
Ghost #15 — RESOLVED ✓ Ally Bank $790.46/Month = 2020 Jeep Gladiator Auto Loan — Now Refinanced to Navy Federal
The $790.46/month Ally Bank ACH is confirmed as the auto loan for Greg's 2020 Jeep Gladiator. This loan has now been refinanced to a Navy Federal Credit Union Used Vehicle Loan (Loan #1077) at $636.57/month with a balance of $30,514.33. Next payment due 07/19/2026. The refinance saves approximately $154/month. CalCoast statements from 2025 and early 2026 will continue to show the historical Ally payments until the refi took effect. No remaining mystery here — the vehicle is the 2020 Gladiator, the lender is now Navy Federal.
Ghost #16 — NEW: Life Insurance Burden $794.52/Month — Three Policies Never Disclosed
Three separate life insurance premium payments flow from CalCoast monthly: Columbus Life Policy 1 ($350/mo) + Columbus Life Policy 2 ($245.98/mo) + Western-Southern Life ($198.54/mo) = $794.52/month total. At $9,534/year, this rivals the AR mortgage in annual cost. Columbus Life and Western-Southern are subsidiaries of the same parent (Western & Southern Financial Group). These could be term or whole life policies. If whole life, they may have accumulated cash surrender values that could provide immediate liquidity. None of these policies appeared in any prior financial model.
Ghost #17 — RESOLVED ✓: Mosaic Solar Loan $200/mo — Balance Only $4,409 · Paid Off Mid-2028
A solar panel loan payment of approximately $200/month to Mosaic (or "Solar Servicing") appears in CalCoast statements. Mosaic is one of the largest residential solar lenders in the US. Solar systems of typical residential size (6–12 kW) carry loan balances of $15,000–$35,000+. This loan was never disclosed in any prior financial discussion and does not appear in any debt inventory. While solar panels reduce electricity costs, the financing obligation was absorbing $200/month from the CalCoast property account without anyone accounting for it.
Ghost #18 — RESOLVED ✓ Openpay/Cobroplan = Rancho Tecate Land Investment · Two-Part Monthly Payment
Two-part monthly payment for a Mexico land investment: (1) Land installment to RGR-Global-Business (~$486/month, Pagaré 49/120) for a lot at KM 10.5 Carretera Tecate-Ensenada, Tecate B.C.; (2) HOA to Asociación de Usuarios Rancho Tecate Resort – Sección Lomas A.C. ($50/month). Normal monthly total: ~$536. Higher amounts ($1,131) in CalCoast reflect catch-up double payments or months with moratorios (late fees). The "growth" was not a new obligation escalating — it was irregular timing of payments showing as varying monthly totals. On payment 49 of 120 → 71 payments remaining (~$34,500 owed on the land). This is a land asset being acquired on a 10-year installment plan, not an escalating service expense.
Ghost #19 — NEW: Affirm $832/Month — Far Higher Than Estimated
Affirm account screenshots confirm three active loans totaling $4,332.54 with combined monthly payments of $832.26 — more than 3× the $258.74 previously estimated. Loans: Rack Attack bike accessories ($1,782.58 remaining, $297.19/mo), Ikon Pass 26/27 ski season pass ($1,898 remaining, $316.33/mo), Nelson's Photo ($651.96 remaining, $218.74/mo). Notably, Greg also financed the prior year's Ikon ski pass ($2,658 in Oct 2025) through Affirm. Two consecutive seasons of ski passes financed on BNPL while in financial crisis is a significant lifestyle-versus-budget misalignment.
Ghost #20 — NEW: Visa **** 0467 and Visa **** 0266 — Two More Unidentified Credit Cards
Affirm payment history shows two Visa cards used to make past loan payments: Visa ending 0467 and Visa ending 0266. Neither matches any credit card identified in bank statements (Chase #8655 ends in 8655; no Visa cards ending in these numbers appear in Chase, Navy Fed, or CalCoast records). These could be: Navy Federal Visa credit cards, store-branded Visa cards, or cards tied to the unreviewed Navy Fed Business account. Two additional untracked credit cards means two more unknown credit balances not captured in any debt inventory. Full credit report pull required.
Ghost #21 — RESOLVED ✓ $2,800/Month Check Deposits = Main House Tenant at 1308 Manor Dr
Confirmed: the tenant in the main house at 1308 Manor Dr pays ~$2,800/month rent by physical check, deposited to the CalCoast CU account. Greg lives in the modified garage unit (house hacking). The check payment method explains why this appeared as "unknown check deposits" rather than an ACH or Zelle deposit — it's a traditional rent check. At $2,800/month, this is $33,600/year in rental income from the main house alone. Combined with Isaac's ADU rent ($1,275/month), Manor Dr generates $4,075/month total.
Ghost #22 — NEW: Rancho Tecate Land — $34,500 Remaining Balance · Asset or Liability?
Greg is acquiring land in Rancho Tecate, Baja California on a 10-year installment plan (Pagaré). On payment 49/120: 71 payments remaining at ~$486/month = ~$34,500 owed plus $50/month HOA ongoing. The land is in the Sección Lomas section of Rancho Tecate Resort (KM 10.5 Carretera Tecate-Ensenada). This is a real estate asset that does not appear in any financial model. Key questions: What is the land's current market value? Is it raw land or developed? Does Greg plan to build? Is there any way to sell or transfer if cash flow deteriorates further? At $536/month committed, this is a significant long-term obligation.
Ghost #23 — NEW: 1308 Manor Dr ADU Construction + Driveway — $14,750 Remaining Budget
Active construction project at 1308 Manor Dr under Juan M. Rousseau's supervision: (1) New ADU build — will generate additional rental income when complete; (2) Driveway resurfacing in 3 phases — Phase 1 complete ($4,400), Phase 2 pending (~$6,300), Phase 3 pending (~$8,450). Total remaining: ~$14,750. All labor payments are channeling through Juan M. (direct), Chuy/Nara (electrician), and other workers (via Viridiana, Jason, etc.). This project has no dedicated budget or escrow — currently drawing from operating cash flow at a time when CalCoast has $7.00 in savings. The ADU, when complete, will add a 4th rental income stream. The driveway improves curb appeal and property value but generates no income return.
Ghost #24 — NEW: Odesa $43,000 Informal Loan — Undocumented · Tundra as Collateral
Odesa Camargo loaned Greg $43,000 (deposited to CalCoast) for home improvements at 1308 Manor Dr. Repayment arrangement: Greg pays the Toyota Tundra lease ($1,152.38/month) while Odesa keeps the truck; when repaid, she returns it. At 23 months remaining × $1,152.38 = $26,497 remaining in Tundra payments — which does not fully cover the $43,000 loan. There is no written agreement. If Odesa's financial situation changes or the arrangement is disputed, Greg loses the Tundra and potentially faces a claim. This $43K obligation is NOT in any debt inventory and has no formal repayment schedule. Risk: the loan predates any of the current financial crisis — those funds are long deployed (used for home improvements) and are unrecoverable without selling the property.
Ghost #25 — ✓ CONFIRMED: Costco Anywhere Visa by Citi (2145) — $6,373 Balance · 26.74% APR · $476/mo min · Navy Fed 1394 autopay · PAST DUE + OVER LIMIT
Experian credit report (May 2026) reveals a Citi credit card (Account 410039) that has NEVER appeared in any bank statement, financial disclosure, or prior model. Key facts: Opened July 8, 2025 · Balance $6,848 · Credit limit $6,800 (account is maxed, balance exceeds limit) · Minimum payment $274/month. Balance history: $0 at open → $7,562 by November 2025 → $6,848 current. This card was maxed within 4 months of opening. This is NOT the Best Buy Citi card (ending 6430) — that is a CBNA/BestBuy card. This is a separate standalone Citi card. The $274/mo minimum payment is being drawn from somewhere — it has never appeared in Chase, Navy Fed personal, or CalCoast statements. Which account is it autopaying from? This is the single most urgent credit mystery in the entire financial audit.
Ghost #26 — ✓ CONFIRMED: STELLANTIS — 2022 Dodge Charger · $37,170 · 14.99% APR · Salomon pays BofA autopay · Payoff Dec 2028
Stellantis Financial Services loan (Account 500001) is now identified: a Dodge Charger financed December 28, 2022. Original balance $66,997 · Current balance $38,149 · Monthly payment $1,416 · 72-month term · All payments current. A close friend is in possession of the Charger and pays the $1,416/month — an informal arrangement structurally identical to the Uriel/Yamaha XSR900 situation. Greg holds the credit liability in his name. Greg now has TWO undocumented pass-through vehicle liabilities totaling $49,319 in debt on two vehicles he does not possess, for two friends with no written agreements. The Charger at $1,416/mo is 4.7× the monthly risk of the Yamaha at $301/mo. If the Charger friend stops paying even one month: (a) Greg absorbs $1,416 out of pocket, (b) a missed payment hits Greg's credit report and scores immediately, (c) Stellantis can repossess a vehicle Greg doesn't even have access to, and (d) Greg has zero legal standing to compel payment without a written agreement. This arrangement must be formalized in writing immediately — same recommendation as the Uriel arrangement.
Ghost #27 — ✓ RESOLVED: Albert Corporation Daily Soft Pull Surveillance — TERMINATED (May 2026)
The Experian credit report had shown hundreds of soft inquiries from Albert Corporation — the app was pulling Greg's credit file literally every day, sometimes multiple times per day. This was predatory data harvesting: continuous credit monitoring used to model Greg's financial vulnerability and market products to him. The $39.99/month fee meant Greg was paying to be monitored and sold to. Resolved: Chase account closure (May 2026) terminated Albert's access to Greg's bank account, ending both the monthly fee and the daily surveillance. Soft pulls don't affect score, but the practice has now stopped. Note: 13 hard inquiries from the past 2 years remain on record — these are from account openings and loan applications and will age off over 2 years. Stop applying for new credit until financial plan is stabilized.
Ghost #28 — ✓ RESOLVED: Xbox GamePass Ghost Subscription — 7+ Year Ghost — CANCELLED via Chase Closure (May 2026)
An Xbox GamePass subscription had been routing PayPal → Chase checking for over 7 years. Greg had attempted to cancel multiple times, including calling Xbox/Microsoft support directly, but was told the account "could not be found" — meaning the subscription was tied to an unidentifiable Xbox account, not Greg's primary account. The cost had been increasing over the years (GamePass prices have risen from ~$9.99/mo to $14.99–$19.99/mo depending on tier). With no way to cancel through normal channels, the subscription continued invisibly. Resolved: Chase account closure (May 2026) severed the PayPal → Chase payment route, permanently killing the subscription. This is a compounding ghost — 7+ years of incremental payments to a service Greg could not access or cancel. Net impact: +$10–20/mo recovered depending on GamePass tier at time of cancellation.
| # | Action | Priority | Est. Impact |
|---|---|---|---|
| 1 | Produce Navy Federal Business Checking statements (Rovelo Asset Management #7187620963). Both confirmed mortgages ($4,563/month combined) and possibly the Toyota lease are paid from this account. No business income is visible until these statements are reviewed. This is the single most important missing document in the entire analysis. | Critical | Required for everything else |
| 2 | Pause Remitly until financial crisis is stabilized. Confirmed: occasional support to friends in Manila and Indonesia — no fixed amount or obligation. This is discretionary spending during a period of structural deficit. While generous, sending $730+/month internationally while CalCoast savings hit $7.00 is unsustainable. Pause completely until monthly cash flow is positive. Resume only with a fixed cap (e.g., $100/month) as a line item in a balanced budget. | Immediate | $730/mo recovered — fully discretionary |
| 3 | ✓ RESOLVED — Oscar's Wife = AR property maintenance · Nara/Chuy = Manor Dr construction labor. Not recurring obligations — episodic property expenses. "Oscar's Wife" payments were for maintenance work Oscar did on the AR property. "Nara/Chuy" are construction labor payments under Juan M. Rousseau for the Manor Dr ADU/driveway project. These are capital expenditures, not mystery spending. Track construction separately as a project budget line item. See new action #27 for construction budget management. | Resolved | Property capex — not mystery spending |
| 4 | ✓ RESOLVED — Albert Genius CANCELLED via Chase account closure (May 2026). $39.99/month fee terminated. After years of failed cancellation attempts (the app was designed to prevent it), Greg closed the Chase account that funded Albert, ending both the monthly fee and Albert's daily Experian soft pull surveillance. See Ghost #7 and Ghost #27. | Resolved | +$40/mo recovered · surveillance ended |
| 5 | Consolidate Adobe subscriptions. Paying twice — $29.99 + $59.99 = $89.98/month. Cancel the lower plan (it's included in the higher tier). | Immediate | $30/mo saved |
| 6 | Audit GoDaddy domains. $115/month in domain/hosting fees suggests 5–10+ domains. Cancel any unused. Consolidate hosting. | This Week | $40–70/mo potential savings |
| 7 | ✓ RESOLVED — Peacock, Soapy Joe's, and Planet Fitness ALL CANCELLED (May 2026). All three were Chase-billed. Chase account closure killed all three simultaneously. None appear on Navy Fed Jan–Apr 2026 statements. Planet Fitness confirmed not billing anywhere. Total recovery: +$62/mo. | Resolved | +$62/mo recovered |
| 8 | ✓ RESOLVED — Experian credit report obtained and analyzed. Full tradeline inventory confirmed. See Section 13. Credit report revealed two massive previously-unknown accounts: CITI $6,848 (maxed card) + Stellantis $38,149 (unknown vehicle loan at $1,416/mo). Klarna confirmed CLOSED. Derogatory marks identified: USAA $3,580 charge-off (Nov 2023), SYNCB/VNMO paid settlement, SYNCB/Amazon late payments 2024. Albert Corporation confirmed as pulling credit daily — cancel immediately. True monthly outflows are now ~$20,900+ vs. prior $19,200 estimate. | Resolved · See Section 13 | TWO major unknown accounts discovered |
| 9 | ✓ RESOLVED — Housing structure confirmed. Greg lives in modified garage at 1308 Manor Dr (house hacking). Sandra (mom) is at SPC 41. Odesa is in San Bernardino. 1308 Manor Dr generates $4,075/month in rental income (main house $2,800 + ADU $1,275). No hidden lot rent. Greg's effective housing cost = $0 separately — he's already living inside his investment property. The 4th unit (new ADU under construction) will generate additional income when complete. | Resolved | No hidden housing cost — $4,075/mo property income confirmed |
| 10 | Establish a food/dining budget and track it. Restaurant + coffee spending appears to be $600–800/month. Setting a hard budget of $300/month saves $300–500/month immediately. | 30 Days | $300–500/mo behavioral savings |
| 11 | Investigate Roadrunner $301/month. This is extremely high for internet service. What is included? Is this a bundled cable+internet plan? Can it be cut to ~$60–80/month with a basic ISP? | 30 Days | $150–240/mo potential savings |
| 12 | ✓ MOSTLY RESOLVED — Wyyerd = home internet ($69/mo after downgrade). Openpay/Cobroplan = Rancho Tecate land ($486/mo + $50 HOA). Carmount.com still unidentified. Wyyerd downgrade saves $46/month starting next billing cycle. Openpay is a long-term land investment — 71 payments of ~$486 remaining ($34,500 owed). Carmount.com (Estonia) remains unexplained — was it a one-time vehicle auction purchase or recurring? Clarify if possible. | Low Priority | $46/mo saved on Wyyerd · Carmount still unknown |
| 13 | ✓ RESOLVED — Toyota vehicle payments now confirmed. Tundra (A672): $1,152.38/month. Prius Prime (E421): $389.43/month. Combined: $1,541.81/month. Both leases current, no late charges. Next decision: with the Tundra buyout at $58,972.11, determine whether to buy out or return when the lease matures Apr 2026. With a second Prius lease also active (Sep 2028 maturity), Greg is carrying two Toyota leases simultaneously — a major vehicle expense that should be reviewed as part of the road-to-5K plan. | Resolved | $1,541.81/mo now confirmed |
| 15 | ✓ RESOLVED — Roadrunner/Octane = 2025 Yamaha XSR900 "Raven" · Uriel has the bike. Loan confirmed: 21.49% APR, 72-month term, $301.07/month, $11,169.54 payoff, 61 months remaining. Uriel possesses the motorcycle and pays Greg $301.07/month in cash. The credit risk remains 100% Greg's. Next decision: document the Uriel arrangement and assess whether to continue, formalize it, or exit the loan. See new action items #24–25 for Uriel risk and Acima buyout. Separately, the actual internet bill must still be identified in another account. | Resolved | $11,170 loan identified · Yamaha XSR900 |
| 16 | Identify the bank account ending in 7691. Toyota Financial dashboard shows this as a linked payment account alongside Navy Fed #1394. It does not match any known account. The CalCoast Branch cash withdrawals on Navy Fed statements suggest Greg may have a CalCoast Credit Union account — and the "0650" account (Planet Home AR autopay) may also be CalCoast. If both 7691 and 0650 are CalCoast, this resolves two mysteries at once. Produce CalCoast Credit Union statements to confirm. | Critical | Closes the 5th unknown account mystery |
| 14 | Evaluate AR property strategy. The 2300 S N St Fort Smith AR loan carries 6.49% interest vs. Manor Dr's 2.75%. At $139,650 balance, you pay $755/month in interest vs. only $144 in principal. Marshall's management confirms $549.38/month net rent — but mortgage alone is $1,384.86 → property is cash-flow negative by ~$835/month before MIP ($193.56) or utilities ($35). Consider selling, refinancing, or raising rent to market rate. | 30 Days | AR property losing ~$835/mo confirmed |
| 17 | ✓ RESOLVED — Ally Bank $790.46/Month = 2020 Jeep Gladiator · Now Refinanced to Navy Federal at $636.57/Month. Ally loan has been refinanced to Navy Federal Used Vehicle Loan #1077. Balance: $30,514.33. Next payment: 07/19/2026. Monthly savings: ~$154. The refi was a smart move — lowers the monthly CalCoast outflow and moves the loan to an institution Greg already banks with. No further action required on identifying the Ally loan. Confirm the refi APR from Navy Fed loan documents to verify it improved on Ally's rate. | Resolved | $30,514 Jeep loan identified + refi saves $154/mo |
| 18 | ✓ RESOLVED — Greg IS the veteran. VA benefit $3,938/month is his tax-exempt income. This fundamentally reframes the financial picture. Greg earns ~$5,796/month payroll + $3,938/month VA = $9,734/month in personal income before any rental or informal income. He is not income-constrained — he has a spending and cash flow structure problem. VA benefits cannot be garnished by most creditors. Immediate follow-up: ensure VA benefit is being considered in all debt repayment prioritization. Also verify Greg is enrolled in VA healthcare to reduce any out-of-pocket medical costs. | Resolved | $47,256/yr confirmed · tax-exempt · Greg's income |
| 19 | Audit 3 life insurance policies for cash surrender values. Three policies (Columbus Life ×2 + Western-Southern) total $794.52/month ($9,534/year). All from the same parent company (Western & Southern Financial Group). If any are whole life or universal life, they may have accumulated cash value that could: (a) be borrowed against immediately, (b) be surrendered for lump-sum cash, or (c) be converted to paid-up insurance eliminating the premium. Contact Western-Southern/Columbus Life for surrender value statements. Even partial restructuring could free up $200–$400/month immediately. | Critical | Possible $20K–$100K+ in cash value |
| 20 | ✓ RESOLVED — Openpay/Cobroplan = Rancho Tecate land investment ($486/mo) + HOA ($50/mo). This is NOT an escalating emergency — it's a fixed land installment plan (Pagaré 49/120) for a lot at KM 10.5 Carretera Tecate-Ensenada, Tecate B.C. The higher CalCoast amounts ($1,131) reflect double payments (catch-up months) or months with moratorios (late fees). Normal monthly obligation: ~$536. 71 payments remaining ≈ $34,500 owed on the land. Decision needed: given cash flow pressure, should you prioritize staying current on this to avoid moratorios (~$48/month in late fees), or evaluate whether the land investment fits the current financial recovery plan? | Resolved | Rancho Tecate land · $34,500 remaining · 71 payments |
| 21 | ✓ RESOLVED — $2,800/month checks = main house tenant at 1308 Manor Dr paying rent by check. Greg lives in the garage/modified unit and rents the main house. The tenant pays ~$2,800/month by check deposited to CalCoast. Combined with Isaac's ADU rent ($1,275/month Zelle), Manor Dr generates $4,075/month in rental income. This changes the picture significantly: CalCoast is NOT just a property expense account — it also receives all of Greg's rental income from Manor Dr plus the VA benefit. | Resolved | $2,800/mo = main house rent · confirms house hacking model |
| 22 | Pull full credit report — all 3 bureaus — immediately. Known unknowns now confirmed: Visa **** 0467, Visa **** 0266 (from Affirm history), Ally Bank loan, Acima full balance, Klarna full balance, Roadrunner APR + original balance, and Affirm at $4,332.54. Full credit report is the only way to get complete debt inventory and surface any collections or derogatory marks. Use AnnualCreditReport.com (free) or a paid pull for score data. | Immediate | Required for complete debt model |
| 23 | Restore CalCoast buffer before next payment cycle. CalCoast savings = $7.00. The Prius payment already bounced (NSF Apr 2026) — the first property account default. The next mortgage payments ($4,563) are due in days. Immediate actions: (1) deposit emergency cash to CalCoast to cover next cycle, (2) identify and pause the largest discretionary CalCoast outflows (Mexico $1,131, surplus insurance?), (3) determine if VA benefit timing can be adjusted to ensure coverage. This is the most time-sensitive action on the list. | ⚠ URGENT — This Week | Prevent mortgage default |
| 24 | Formalize or exit the Uriel/Yamaha XSR900 arrangement — NOW. Greg holds a 21.49% APR, 61-month, $11,170 loan on a motorcycle he does not possess. Uriel reimburses $301.07/month in cash with no written agreement. Risks: (1) If Uriel stops paying, Greg owes $301/month on a depreciating asset he can't even ride. (2) If Uriel damages or totals the bike, Greg's insurance and lender relationship are affected. (3) This informal arrangement could be flagged by Octane Financial as a violation of loan terms. Recommended actions: Create a simple written loan agreement with Uriel, get the bike added to Greg's insurance as a non-owner rider arrangement, and build a 2-month payment buffer. Alternative: convince Uriel to refinance the loan into his own name. | Critical | $11,170 at 21.49% APR — undocumented risk |
| 25 | Pay off Best Buy Citi deferred interest before May 8, 2027 — before any other consumer debt. The Best Buy Citi card ending 6430 ($350 balance, maxed) has a deferred interest promotion expiring May 8, 2027. If the balance is not paid in full by that date, all interest at 28.74% APR is charged retroactively. The account is currently past due ($29). Actions: (1) bring account current immediately — pay $29 past due plus any new minimum; (2) set up a new autopay or direct recurring payment of $30/month to clear it by May 2027; (3) do NOT use the card for any additional purchases. At $30/month starting now, the $350 will be paid off with months to spare. This is the single highest effective cost item to resolve given the retroactive interest trap. | Immediate | Prevents retroactive 28.74% backdated interest charge |
| 26 | ✓ ON TRACK — Acima early purchase option. Greg confirmed he is completing this by June. The early purchase option was $258.97 (expires 06/03/2026) vs. $932.41 remaining in lease payments — a savings of $673.44. Greg is on track to execute this. Confirm completion once done and close the Acima account. This is the easiest $673 in the entire plan. | On Track · Due June 3, 2026 | $673 savings confirmed · In progress |
| 27 | Create a construction project budget for 1308 Manor Dr and stop drawing from operating cash flow without a plan. Active construction: Juan M. Rousseau supervising ADU build + driveway resurfacing. Phase 1 complete (~$4,400). Phase 2: 2 trucks cement ($2,150 × 2 = $4,300) + 5 laborers ($400 × 5 = $2,000) = $6,300. Phase 3: 3 trucks cement (~$6,450) + 5 laborers ($2,000) = ~$8,450. Total remaining construction: ~$14,750. This is legitimate capital investment that will generate ROI (new ADU rental income), but it must be funded from a dedicated savings pool — NOT from the already-depleted CalCoast account. Recommended: open a dedicated construction escrow or savings account, fund it with $1,000–$2,000/month until Phase 2 capital is saved, then execute Phase 2, then repeat for Phase 3. Do NOT run construction out of the same account paying mortgages. | Urgent — Cash Flow Risk | $14,750 remaining construction · Must be budgeted separately |
| 28 | Formalize the Odesa $43,000 loan arrangement in writing before any further payments. Odesa Camargo loaned Greg $43,000 (deposited to CalCoast) for home improvements at 1308 Manor Dr. The repayment arrangement: Greg pays the Toyota Tundra lease ($1,152.38/month) and Odesa keeps possession of the Tundra until the loan is repaid, then returns the truck. This arrangement needs a simple written agreement specifying: total loan amount ($43,000), how Tundra payments count against the balance, when the loan is considered fully repaid (how many more months of Tundra payments are needed?), and what happens to the Tundra when it matures in April 2028. At $1,152/month remaining, 23 months = $26,496 still to be paid — which does not fully repay $43,000. Clarify: is there additional repayment expected? Is the $43K partially offset by anything else? Document everything to protect both parties. | Critical | $43K informal loan — no written agreement · Tundra at stake |
| 29 | ⚠ PARTIALLY RESOLVED — Stellantis = Dodge Charger · Close Friend Pays · NOW: Formalize this arrangement in writing IMMEDIATELY. Vehicle confirmed as a Dodge Charger (original $66,997, balance $38,149, $1,416/month). A close friend possesses the car and pays the bill — same structure as Uriel/Yamaha. Greg holds the credit account in his name with zero legal protection if the friend stops paying. This is Greg's SECOND informal vehicle pass-through, and at $1,416/month it is the largest single risk item in the entire financial picture. Immediate actions: (1) Create a simple written loan agreement with the friend — amount owed ($38,149), agreed monthly payment ($1,416), what happens if missed, what happens if Charger is damaged/totaled. (2) Confirm the vehicle is insured and that Greg is listed as the lienholder/owner of record. (3) Identify which account the $1,416/month drafts from — it does not appear in any reviewed statement, so either the friend pays Stellantis directly or it runs through an account not yet reviewed. (4) Ask whether the friend would be willing to refinance the loan into their own name — this is the cleanest exit. (5) Consider whether it's worth building a 2-month payment reserve ($2,832) for this loan given the size of the risk. If this friend misses a payment, Greg's credit and cash flow take a simultaneous hit of $1,416 with no legal recourse. | Urgent — This Week | Dodge Charger confirmed · friend pays · $38,149 · no written agreement · highest single risk item |
| 30 | 🚨 CRITICAL — Identify the CITI Account 410039 card — $6,848 balance, maxed, $274/mo minimum. Experian shows a standalone Citi credit card (NOT the Best Buy Citi card ending 6430) opened July 8, 2025 with a $6,800 credit limit, $6,848 current balance (maxed + over limit), and $274/month minimum payment. The card went from $0 to maxed within 4 months of opening. The $274/month minimum does not appear in any bank statement reviewed — meaning its autopay source is unknown. Actions: (1) Log into Citi.com or the Citi mobile app to identify this card — it likely ends in a 4-digit number not yet seen in any statement. (2) Confirm the APR (Citi cards typically run 20–30%). (3) Identify which account the autopay drafts from. (4) Determine what the card was used for — the rapid climb from $0 to $7,562 in 4 months suggests a large purchase or series of purchases in Aug–Nov 2025. At 25%+ APR on a maxed card with only minimum payments, this card is accruing $140–170/month in interest alone. Minimum payments will never reduce the principal meaningfully. | ⚠ URGENT — This Week | $6,373 · over limit · ✓ Costco Visa 2145 · autopays Navy Fed 1394 · PAST DUE · Apr bounce + $41 fee |
| 31 | Address USAA $3,580 Charge-Off (Nov 2023) — derogatory mark on credit report. The Experian credit report shows a USAA account that charged off in November 2023 with a $3,580 balance. A charge-off means USAA wrote off the debt as uncollectible — but the debt still legally exists and may have been sold to a collection agency. Possible actions: (1) Check if the debt is still with USAA or has been sold — call USAA at 1-800-531-8722 to inquire. (2) If still with USAA, negotiate a pay-for-delete settlement (often 40–60 cents on the dollar). (3) If sold to a collector, the collector may accept 25–50 cents on the dollar. (4) A paid charge-off is still on the report for 7 years (until ~Nov 2030), but a paid status looks significantly better than unpaid for mortgage/refi applications. Estimated settlement cost: $1,400–$2,100. USAA was Greg's insurance provider — resolving this relationship also reopens potential future USAA banking and insurance options (USAA has competitive rates). | 30 Days | $3,580 derogatory · ~$1,400–$2,100 to settle · credit score impact |
| 32 | Dispute or note SYNCB/VNMO "paid in settlement" derogatory mark. Experian shows a Synchrony Bank/Venmo Pay account that went 120 days late in July 2023 and was eventually paid in settlement — meaning it was paid for less than the full amount. "Paid in settlement" is a derogatory status and remains on the credit report for 7 years. If Greg paid the full amount and the account shows "paid in settlement" incorrectly, dispute this with Experian. If the settlement is accurate, no action needed beyond waiting — the mark's impact fades after 2 years of positive payment history. Additionally, SYNCB/Amazon shows 30 and 60-day late payments in 2024 — confirm this account is now current and set up autopay if not already done. | 60 Days | Credit report cleanup · score recovery groundwork |
| 33 | ✓ RESOLVED — Albert Corporation app CANCELLED and daily Experian surveillance TERMINATED (May 2026). Chase account closure severed the payment route, ending the $39.99/month fee and stopping Albert's daily soft pull credit surveillance. The app had been pulling Greg's Experian file literally every day — sometimes multiple times daily — a predatory data harvesting practice now terminated. Optional follow-up: Consider filing a CCPA data deletion request with Albert's privacy team to ensure any stored personal/financial data is purged from their systems (California resident right — free, can be done by email to privacy@albert.com). | Resolved | +$40/mo recovered · daily surveillance stopped · Chase account closed |
Two accounts that were NEVER in any prior model, never appeared in any bank statement reviewed, and were never disclosed in any financial audit session: CITI Card $6,848 (maxed, opened Jul 2025) + Stellantis $38,149 (unknown vehicle, $1,416/mo). Combined, these add $1,690/month to confirmed outflows and $44,997 to the total debt load. The Stellantis payment source remains completely unknown — it has been paid reliably for 2+ years without appearing in Chase, Navy Fed, or CalCoast statements. These are not small oversights. They represent systemic gaps in the financial picture that invalidate all prior shortfall estimates.
Greg now carries two vehicles he does not possess, for two friends, with no written agreements, totaling $49,319 in combined debt and $1,717/month in monthly obligations:
① Dodge Charger (Stellantis) — Close Friend · $38,149 balance · $1,416/month
② Yamaha XSR900 (Octane/Roadrunner) — Uriel · $11,170 balance · $301/month
In both cases: Greg's name is on the loan. Greg's credit score takes the hit if payment is missed. Greg has no written agreement. Greg cannot repossess the vehicle if the friend stops paying. This is a structural pattern — not a one-time situation. Both arrangements need to be formalized in writing as a priority. The Charger is the larger emergency: one missed $1,416 payment simultaneously destroys Greg's monthly cash flow AND drops his credit score.
Active / Open Accounts — Confirmed on Experian
| Creditor / Account | Balance | Mo. Payment | Limit / Original | Opened | Status | Notes |
|---|---|---|---|---|---|---|
| ⚠ CITI — Costco Visa (2145/410039) | $6,373 ✓ | $476 min ✓ | $6,800 limit · 26.74% APR | Jul 2025 | Maxed + Over | BRAND NEW DISCOVERY · Not the Best Buy card · Unknown purpose · Payment source unknown |
| ✓ STELLANTIS FINANCIAL SERVICES (500001) | $37,170 ✓ | $1,416 ✓ | $66,997 orig · 14.99% APR | Dec 2022 | ✓ Current · Salomon/BofA | 2022 DODGE CHARGER · VIN 2C3CDXGJ7NH235026 · Salomon pays from his Bank of America on autopay — that's why it never appeared in any of Greg's accounts. $464/mo interest. Payoff: Dec 2028. Get Salomon to refi → removes $37K from Greg's credit NOW. |
| Navy Fed Used Vehicle Loan (Jeep Gladiator) | ~$30,514 | $637 | — | 2025 (refi) | Current | Refinanced from Ally · 2020 Jeep Gladiator · Confirmed |
| Octane Financial / Roadrunner (Yamaha XSR900) | ~$11,170 | $301 | $12,128 orig. | 2024 | Current (Uriel pays) | 21.49% APR · 72 mo · Uriel has possession · informal arrangement |
| Toyota Financial — Tundra Lease (A672) | — | $1,152 | — | Apr 2025 | Current | 36-mo lease · matures Apr 2028 · Odesa co-lessee, possesses truck |
| Toyota Financial — Prius Prime Lease (E421) | — | $389 | — | Sep 2025 | Recent NSF Apr 2026 | 36-mo lease · matures Sep 2028 · Greg only |
| NewRez — 1308 Manor Dr Mortgage | — | $3,178 | — | — | Current | Primary property · 2.75% (locked) · CalCoast autopay |
| Planet Home — AR Mortgage (2300 S N St) | ~$139,650 | $1,385 | — | — | Current · Cash-flow negative | 6.49% APR · FHA · cash-flow −$835/mo before MIP + management |
| Affirm (EYHXXXX — Nelson's Photo) | $821 | $218 | — | — | Current | One of 3 active Affirm loans · already in model at $832 total |
| Capital One Quicksilver (6629) | $928 | ~$40 | — | — | Current | Confirmed · in model |
| Capital One Platinum (2877) | $162 | ~$25 | — | — | Current | Confirmed · in model |
| Best Buy / CBNA (6430) | ~$350 | ~$25 | — | — | Past Due · Deferred Interest | 28.74% APR · retroactive interest trap May 2027 · CRITICAL to pay off |
| Acima Lease (Traxxas RC Truck) | ~$258 | ~$47 | — | — | Early payoff in progress | EPO expires Jun 3, 2026 · Greg on track to close · saves $673 |
| AT&T (charge account) | — | $314 | — | — | Current | 8-line wireless plan · who are all 8 lines for? |
| Mosaic Solar Loan #269936 | $4,409.16 ✓ | $200 ✓ | 5.99% | 04/07/2047 | ✓ Confirmed · Nearly Paid Off | ✓ Portal confirmed 05/04/2026. Overpaying at $200 vs $106.29 min → paid off mid-2028. $22/mo interest. Orig $16,040. |
| Columbus Life Policy 1 | — | $350 | — | — | Current · Cash value? | Western & Southern Financial Group parent · evaluate CSV |
| Columbus Life Policy 2 | — | $246 | — | — | Current · Cash value? | Same parent as above |
| Western-Southern Life Policy | — | $199 | — | — | Current · Cash value? | Same parent as above |
Derogatory Marks — Active on Credit Report
| Creditor | Amount | Status | Date | Impact / Action |
|---|---|---|---|---|
| USAA | $3,580 | CHARGE-OFF | Nov 2023 | Hardest derogatory mark. May have been sold to collections. Negotiate pay-for-delete settlement ~40–60¢/dollar. Stays on report until ~Nov 2030. Estimated settlement: $1,400–$2,100. Resolving this reopens USAA banking/insurance access. |
| SYNCB / VNMO (Venmo) | — | PAID IN SETTLEMENT | Jul 2023 (120 days late) | Settled for less than full amount. Stays on report for 7 years. If paid in full incorrectly marked as settlement, dispute with Experian. Impact fades over time with positive history. |
| SYNCB / Amazon | — | 30/60 DAYS LATE (2024) | 2024 | Late payment marks. Less severe than charge-off but visible to lenders. Ensure this account is now current with autopay. Score impact: moderate. Fades after 2 years of on-time payments. |
Closed / Resolved Accounts — Good News
| Creditor | Status | Notes |
|---|---|---|
| Klarna | CLOSED — PAID MARCH 2026 | Confirmed paid off and closed. Removed from all outflow models. $0 remaining. This is a genuine win — one fewer BNPL obligation. The $180/month previously estimated for Klarna is now freed up. |
Experian shows 13 hard inquiries from the past 2 years from various credit applications. Hard inquiries each reduce your score by 3–5 points and remain visible to lenders for 2 years. Multiple inquiries signal credit-seeking behavior, which hurts mortgage and refi applications. Action: Stop applying for any new credit until the financial plan is stabilized. Every new inquiry delays the score recovery timeline. Also — dispute any hard inquiries you did not authorize.
Albert Corporation had been pulling Greg's credit file every single day — sometimes multiple times daily. At $39.99/month for "Albert Genius," Greg was paying to be monitored and marketed to. Resolved: Chase account closure (May 2026) severed Albert's funding source, terminating both the $40/mo fee and the daily surveillance. Optional follow-up: file a CCPA data deletion request with Albert's privacy team (privacy@albert.com) to purge stored personal/financial data.
| Service | Cost | Source |
|---|---|---|
| Claude.ai Pro (Anthropic) | $84.55/mo | Navy Fed 1394 |
| Dropbox Plus (9K4Fv34S77) | $19.99/mo | Navy Fed 1394 |
| GoDaddy (multiple domains) | $57+/mo | Navy Fed 1394 |
| AT&T Wireless (El Cajon / Sf9E) | $103.14/mo | Navy Fed 1394 |
| Acima Lease — Traxxas TRX-4 Bronco | $258.97 EPO by June 3 | Navy Fed 1394 |
| Active Subtotal | ~$358/mo |
| Service | Saved | Status |
|---|---|---|
| Albert Genius (7+ yr ghost) | +$40/mo | Done |
| Xbox GamePass (7+ yr ghost) | +$15/mo | Done |
| Soapy Joe's Car Wash | +$33/mo | Done |
| Peacock Premium | +$8/mo | Done |
| Planet Fitness (not billing anywhere) | +$25/mo | Done |
| Total Saved | +$121/mo |
| Creditor | Balance | APR | Est. Monthly Interest | Priority |
|---|---|---|---|---|
| Citi Costco Visa 2145 | $6,373 | 26.74% | ~$142/mo | High |
| Best Buy Citi 6430 | $350 | 28.74% (deferred trap) | $0 now / $100+ if not paid | Urgent by May 2027 |
| Stellantis (Dodge Charger) | $37,170 | 14.99% | ~$464/mo | Monitor |
| Capital One (2 cards) | $1,090 | ~24-29% | ~$22/mo | Pay off fast |
| Affirm (3 loans) | $3,900 | 0% APR | $0 | 0% — use as-is |
| Mosaic Solar | $4,409 | Low (est.) | ~$200/mo | Secured · low pri |
| $0 | — | Paid, Closed | ✓ Resolved · May 2026 |