Residences — Monthly Carry per Property

8750 Montgomery Ave — Wyndmoor PA
Primary residence

$37,332/mo

≈ $447,980/yr if kept

🏦 Planet Home Lending · bal ~$2.73M @ 7.75% · escrow includes taxes/likely HO ins.

Payee	Category	$/mo	Basis	Paid from
Planet Home Lending mortgage⚠ no payment seen Escrow includes Springfield Cnty RE taxes + likely HO ins. Loans tab says $25,054.03 — verify escrow.	Mortgage	$24,825.81	A — every stmt Dec–Jul	Joint Truist x7224
PECO electric⚠ no payment seen autopay? Wyndmoor accounts (main + apt) paid from the joint account. Kater's own PECO acct pays separately from PLaw x4053 — now on the Kater card (per Tom 7/22).	Utilities	$1,925.79	A — 8-mo avg $15,406 total (joint-paid)	Joint Truist x7224
Aqua PA water (2 accts)✅ paid 09-18 $300.94 (email) House + irrigation	Utilities	$175.57	A — 8-mo avg	Joint Truist x7224
Verizon internet	Utilities	$89.99	L — flat	Joint Truist x7224
Viking Pest Control	Utilities	$100.70	L — flat	Joint Truist x7224
Pye Barker / BeSafe alarm verify Verify billing cadence	Utilities	$65.59	A — quarterly-ish, 8-mo avg	Joint Truist x7224
Liberty Mutual HO (H3V…7270) paid by cardverify Renews ~9/28/26. Verify it doesn’t ALSO sit in Planet Home escrow (possible double-count). AmEx exports show Liberty charges of $18.6K net in 2025 + $5.6K in 2026 YTD across Gold x86007/Plat x67002 — covers this + the Kater policy; reconcile installments (see unassigned).	Insurance	$954.67	L — $11,456/yr annualized	AmEx (card-paid)
Laurel Hill Gardens landscaping⚠ no payment seen Seasonal: ~$4,770/mo May–Jul; 8-mo average used	Grounds	$2,893.80	A — $23,150 over 8 mo	Joint Truist x7224
Garcia Landscaping — ENDING (1 payment left) verify FINAL payment next cycle, then $0 — per Tom 7/22. After it clears, Wyndmoor carry drops ~$2,967/mo (~$35.6K/yr).	Grounds	$2,966.67	T — Tom 7/22: ONE month payment remains, then complete	Checks (x7224)
Pool Doctor amount? Opening/closing/repairs — single known invoice annualized	Grounds	$737.22	E — Jul ’26 $8,846.65 annualized	Joint Truist x7224
Sharkey’s Irrigation Open/winterize	Grounds	$54.65	A — 2x/yr, 8-mo avg	Joint Truist x7224
Seasonal services (Hearth & Home, holiday lights, snow) verify Hearth & Home $4,223 + JM Holiday Lighting $4,672 + snow removal $235	Grounds	$1,141.23	A — $9,130 over 8 mo	Joint Truist x7224
Concepcion Perez (cleaning)⚠ no payment seen 8-mo Zelle actuals averaged $881/mo (some months lighter)	Staff	$1,400.00	L — $1,400/mo nominal	Joint x7224 — Zelle

Not in the total — unknown / verify / already counted elsewhere

Elmer (unidentified — irregular) amount?verify — ~$5,100/pmt · $5,600 Dec / $9,200 Apr / $5,100 May+Aug — could be ~$2.1K/mo if annualized. IDENTIFY what this is before counting.

Springfield Twp / County RE taxes verify — In Planet Home escrow (already counted in mortgage). One direct $877.40 pmt Jun ’24 — verify nothing owed outside escrow.

228 SE 3rd Ter — Pompano Beach FL
Florida house

$20,130/mo

≈ $241,556/yr if kept

🏦 Carrington (ex-Shellpoint) · bal ~$1.78M @ 7.50% · escrow $4,691/mo includes taxes/ins/flood (verify).

Payee	Category	$/mo	Basis	Paid from
Carrington mortgage P&I $12,480.98 + escrow. Escrow likely covers taxes + ins + Citizens flood — verify.	Mortgage	$17,279.26	A — every stmt Dec–Jul	Joint Truist x7224
FPL electric⏳ due soon Recent 3-mo ~$568 (AC season)	Utilities	$485.06	A — 8-mo avg	Joint Truist x7224
City of Pompano water	Utilities	$209.21	A — 8-mo avg	Joint Truist x7224
AT&T internet	Utilities	$80.25	L — flat	Joint Truist x7224
TECO gas	Utilities	$25.25	A — 8-mo avg	Joint Truist x7224
Terminix pest	Utilities	$65.00	L — flat	Joint Truist x7224
Alejandro Perez (landscaping) verify Ledger nominal was $295/mo but actual Zelles run ~$1,411/mo — verify scope of work	Grounds	$1,410.63	A — $11,285 in Zelles over 8 mo	Joint x7224 — Zelle
Dan (pool/hot tub service)	Staff	$155.00	L — matches actuals ($151 avg)	Joint x7224 — Zelle
Merry Maids (cleaning)	Staff	$420.00	L	Credit card, repaid by Joint

Not in the total — unknown / verify / already counted elsewhere

Citizens flood (policy 13641808) verify — Probably inside the $4,691/mo Carrington escrow (2024 pmt $1,351). Verify — do not double-count.

Broward RE taxes + HO insurance verify — Assumed inside Carrington escrow (already counted). Verify.

On Demand Pest Control (card) paid by cardverify — $295 on AmEx Gold x86007 7/3/26 (Ft Lauderdale vendor) — new; single charge so far, cadence unknown (~$98/mo if quarterly). Terminix $65/mo still pays from Truist — overlap?

Neptune Flood — Pompano? (CANCELLED) paid by cardverify — AmEx Gold: $2,860.79 charged 7/23/25, $2,788.40 refunded 9/27/25 (policy ASR3995525 — different # than Brigantine’s). Looks like a flood policy bought then cancelled — confirm nothing lapsed.

1434 Kater St — Philadelphia PA
Philly rowhouse

$9,354/mo

≈ $112,250/yr if kept

🏦 Sun East FCU · bal ~$697K @ 3.75% (P&I only, NO escrow) + Truist HELOC bal $133,179 verified 7/21 @ 7.74%.

Payee	Category	$/mo	Basis	Paid from
Sun East FCU mortgage⚠ no payment seen paid from?autopay? P&I only — taxes/insurance NOT escrowed	Mortgage	$4,388.48	L — Loans tab	UNKNOWN
Truist HELOC #…5998⚠ no payment seen paid from?autopay? Balance $133,179.24 verified 7/21 (ledger said ~$94K — it grew)	Mortgage	$2,000.00	L — $2,000/mo	UNKNOWN
Liberty Mutual HO (H3V…9870) paid by card ✅ PAID 7/21/26 for 6/28/26–6/28/27 term. Card exports show Liberty $1,643 on Plat x67002 6/30/26 + $3,955.50 on Gold x86007 1/29/26 — reconcile which charge = this policy (see unassigned).	Insurance	$749.83	L — $8,998/yr annualized	AmEx (card-paid)
PECO electric (acct …1222)⚠ no payment seen PLaw x4053 Pays from PLaw x4053 (Tom’s S-corp). Per Tom 7/22: one PECO bill belongs on Kater.	Utilities	$245.00	A — monthly ACH $203–267 in PLaw x4053 stmts	PLaw PC x4053
Philadelphia RE taxes paid from?autopay? NOT escrowed. $19K/yr ÷ 12 (divorce I&E 7/2025 listed $771.66/mo — Tom's 2026 figure used).	Taxes	$1,583.33	T — Tom 7/22: $19,000/yr	UNKNOWN
JR Systems paid from?autopay? $450/yr annualized ($37.50/mo). Added per Tom 7/22 — identify service type + payment source/due month.	Utilities	$37.50	T — Tom 7/22: $450/yr	UNKNOWN
PGW gas paid from?verify From Husband's Expense Statement (Whitehill v. Petrelli). Verify current amount + payment source.	Utilities	$50.00	D — divorce I&E 7/10/2025	UNKNOWN
Water (PWD) paid from?verify Per divorce I&E. Verify current.	Utilities	$300.00	D — divorce I&E 7/10/2025	UNKNOWN

1305 E Shore Dr — Brigantine NJ
Shore house

$4,963/mo

≈ $59,551/yr if kept

🏦 Truist · bal $448,437.51 verified 7/21 @ 3.75% · escrow $713.74/mo (taxes; HO + flood paid separately below).

Payee	Category	$/mo	Basis	Paid from
Truist mortgage #…1137⚠ no payment seen PLaw x4053 Pays from PLaw x4053 (Tom’s S-corp). Due Aug 01.	Mortgage	$3,086.45	A — verified 7/21 (ledger $3,077.48)	PLaw PC x4053
Johnson & Johnson / Wiser — HO paid from?autopay? Renews ~Oct 29	Insurance	$193.24	L — $2,318.90/yr annualized	UNKNOWN
Neptune Flood (ASR3231883) paid from?autopay? Renews ~Sep 18	Insurance	$232.37	L — $2,788.40/yr annualized	UNKNOWN
Gas (South Jersey Gas) paid from?verify Per Husband's Expense Statement. Verify current amount + payment source.	Utilities	$175.00	D — divorce I&E 7/10/2025	UNKNOWN
Electric paid from?verify Per divorce I&E. No Atlantic City Electric charges found on the AmEx cards — pays from somewhere else.	Utilities	$85.00	D — divorce I&E 7/10/2025	UNKNOWN
Comcast/Xfinity wifi paid by card FOUND on the card (per Tom 7/22 it’s Comcast): NJ Comcast/Xfinity autopay, $138.99/mo on Plat x67002 since mid-2025 (matches the I&E’s $136). Xfinity notices to petrellit@ were on the auto-archive spam list — likely this account.	Utilities	$138.99	C — card actuals: flat $138.99 EVERY month through 7/2/26	AmEx Plat x67002
City of Brigantine water/sewer⚠ no payment seen paid by cardverify FOUND on the cards: "CITY OF BRIGANTINE NONTAX WEB" $406.85 (3/18/25, Gold) + $402.94 (2/4/26, Plat), each +$12 fee. ~$830/yr ≈ $69/mo (I&E said $56 — consistent). Verify no other quarters pay from an untracked account.	Utilities	$69.00	C — card actuals: ~2 web-pays/yr	AmEx (web-pay + ~$12 fee)
Brigantine RE taxes (paid QUARTERLY by card) paid by cardverify FOUND on the cards: "CITYOFBRIGANTINE" web-pays 3/13/25 $3,129.49 + 5/1/25 $3,082.26 (Gold), 2/5/26 $2,863.20 (Plat), each +$84–92 service fee. Most recent qtr annualized ≈ $11,790/yr (I&E said $9,480). Only 3 of the last 6 quarters visible on cards — find where the others pay.	Taxes	$982.55	C — card actuals: $2,863–$3,129/qtr + ~$85 web fee	AmEx Plat x67002 (2026; Gold x86007 in 2025)

Not in the total — unknown / verify / already counted elsewhere

Truist escrow $713.74/mo — covers WHAT? verify — Taxes are paid quarterly by CARD (line above — proven by AmEx actuals) and HO/flood are paid separately — so what does the mortgage escrow cover? Possibly partial taxes or PMI. Verify with Truist; if escrow also pays taxes, the card tax line is a double-count.

1551 N Flagler Dr — West Palm Beach FL
WPB condo

$4,840/mo

≈ $58,078/yr if kept

🏦 No mortgage attributed (owned outright?). Loans tab lists BMO #241426459 under this address ($911.01, $0 bal) — appears to be a mislabeled duplicate of the Grady White boat loan.

Payee	Category	$/mo	Basis	Paid from
FirstService Residential HOA PLaw x4053 Pays from PLaw x4053 (Tom’s S-corp). Bank descriptor says "Frstsrv Broward" — billing entity, not property location. Divorce I&E (7/2025) listed "Maintenance $838.49" for Palm Beach — possibly the same HOA at its 2025 rate; not double-counted.	HOA	$1,294.24	L — account history (per Tom 7/22: this HOA belongs to Flagler)	PLaw PC x4053
FirstService HOA — 2nd assessment via ClickPay⚠ no payment seen paid by card CONFIRMED Flagler (Tom 7/22). Second Flagler assessment stream alongside the $1,294.24 x4053 ACH. Paid $711.23/mo Jan–Oct ’25 on Gold, gap Nov ’25–Feb ’26, then $3,505.56 catch-up 3/1/26 and $662.27/mo since on Plat.	HOA	$662.27	C — card actuals: $662.27/mo Apr–Jun ’26 ($711.23/mo in 2025) (per Tom 7/22: this ClickPay stream is FLAGLER)	AmEx Plat x67002 (Gold x86007 in 2025)
Parents debt (family loan) — ends May 2027⚠ no payment seen paid from?autopay?due day? Family loan — ~10 payments left (~$21.7K remaining). Due day / autopay / paid-from unknown per Tom. Drops Flagler carry by $2,166.67/mo after May 2027.	Debt	$2,166.67	T — Tom 7/22: attributed to Flagler; LAST payment May 2027	UNKNOWN
Electric paid from?verify Per Husband's Expense Statement (Palm Beach section).	Utilities	$150.00	D — divorce I&E 7/10/2025	UNKNOWN
RE taxes paid from? $6,800/yr ÷ 12 (divorce I&E 7/2025 said $6,540/yr — Tom's current figure used).	Taxes	$566.67	T — Tom 7/22: $6,800/yr	UNKNOWN

Not in the total — unknown / verify / already counted elsewhere

HO insurance / water / wifi amount?verify — Not listed on the divorce I&E and not in tracked accounts — may be bundled in the HOA. Verify.

Household — unassigned (not property carry)

Follows the family / vehicles / debt — excluded from every residence total

Tesla Insurance FL — $860.47/mo — Vehicle insurance (appears on the Pompano tab as "INS PREM PROG AMERICAN HOMA") — car cost, not property carry

Rohaana Sarkar (nanny) — $716.25/mo — Household childcare — follows the family, not a property ($1,910 x3 over 8 mo)

Restoration Hardware financing — Wyndmoor furnishings debt ($803–$5,379/mo while balance open) — furniture note, not carry; would survive a sale

Greenlight (kids app) — $33.94/mo — Household

State Farm insurance — 3 recurring policies (card) — $558.00/mo — AmEx Plat x67002, ongoing: ~$478.41 + ~$48 + ~$36 monthly (plus one-time $2,105 on 8/13/25 and $391 on Gold 2/3/25). Likely auto/umbrella, not property — IDENTIFY the policies; if one is a homeowner policy it belongs on a residence card

Ring alarm/camera plans (card) — $26.93/mo — AmEx Plat x67002: Premium $211.99/yr (12/20/25) + Standard $106.99/yr + Basic $49.99 (partial refund) ≈ $323/yr — which houses are the cameras at?

Terminix — 2nd account, ENDED (card) — AmEx Gold x86007: $219.26/qtr (acct 12474666) through 10/24/25, then stopped — separate from Pompano’s $65/mo Truist Terminix. Which property was it, and did service lapse or move payment method?

Liberty Mutual — card-charge reconciliation — AmEx totals: 2025 net $18,610.50 (1/29 $5,749 + 7/5 $8,115 + 7/29 $5,217.50 on Gold; $1,196 chg/refund + −$471 refund on Plat) · 2026 YTD $5,598.50 (1/29 $3,955.50 Gold + 6/30 $1,643 Plat). Known policies total $20,454/yr (Wyndmoor $11,456 + Kater $8,998, both counted on their cards) — close but not exact; check for a 3rd policy (auto/umbrella?)

Residences — Monthly Carry per Property

Monthly carry by property — what each house costs to keep, and why

Household — unassigned (not property carry)