Mortgage + Property Loan Routing
Status: LIVING reference. Locked 2026-04-30 by Sam.
May 19, 2026 proof update: STR mortgage amounts refreshed from May 15 portal screenshots saved underSTR-Operations/mortgage-proof/2026-05/. Selene routing now has direct portal evidence for Checking Account (6651), and live BOS v1 was corrected to9312 - 6651. Shellpoint payment method still needs a post-debit/portal proof if account routing matters; live BOS v1 currently also shows9312 - 6651, which is suspect for a 9332 mortgage but unproven.
Purpose: Prevent confusion between personal residence vs STR property loans + clarify Mildred-visible vs Sam-only views.
Cross-ref:docs/OBLIGATIONS.md·docs/MAY_AUTOPAY_PREFUND_2026-05.md·docs/CONTEXT.mdEden/STR/Tax sections
Property → Operating Chase account mapping (locked 2026-04-30 3:45 PM)
| Property | LLC | Chase operating account |
|---|---|---|
| 9312 | 9312 Sommerset Realty LLC | Chase 6651 (verified by Selene portal payment method screenshot, May 15, 2026) |
| 9332 | 9332 Sommerset Realty LLC | Chase 2528 |
The mortgage holder + the property operating account are different entities. Older v2 docs assumed STR mortgages were paid via Chase 5777; May 2026 portal evidence now shows Selene uses Checking Account (6651). Shellpoint's pay-from account is not visible in the screenshot I found, so keep Shellpoint routing as TBC until portal/payment proof is captured. Fifth Third home remains Chase 5007 per Apr 30 lock.
Mildred's monday.com note Apr 30 ("Pay any 9312/9332 vendors from HSC 1260") may need clarification — is HSC 1260 a routing override, or are vendors actually pulling from 6651 / 2528? Sam to confirm next session if it matters.
The locked mapping (Sam confirmed 2026-04-30)
| Property | Address | LLC | Mortgage Holder | Approx Monthly | Pay-From | Mildred Visible? |
|---|---|---|---|---|---|---|
| 9332 | 9332 Sommerset Hills Drive, Davenport FL 34747 | 9332 Sommerset Realty LLC | Shellpoint Mortgage | $3,161.51 verified May 15 portal screenshot. Principal $500,440.00; escrow $6,310.77. | TBC. Live BOS v1 currently shows 9312 - 6651; do not change until payment-account proof is captured. |
YES — STR property |
| 9312 | 9312 Sommerset Hills Drive, Davenport FL 34747 | 9312 Sommerset Realty LLC | Selene Finance | $3,379.91 verified May 15 portal screenshot. Next draft Jun 15. Balance $509,600.00; escrow -$1,458.28. | Checking Account (6651) per Selene portal. Live BOS v1 corrected from 9332 - 2528 to 9312 - 6651 on May 19. |
YES — STR property |
| Personal residence | 589 Hook Street area (NY) | n/a | Fifth Third Mortgage ✅ LOCKED 2026-04-30 | $3,312.59 (May 15) | Chase 5007 (PREMIER SAVINGS) — funded by Chanie ✅ corrected 2026-04-30 3:45 PM (was 5000 earlier — wrong) | NO — personal/home, Sam-only |
| Wife's Life Insurance | n/a | n/a | William Penn Life Insurance ✅ LOCKED 2026-04-30 | $596 (May 15) — Sam to verify next-due date | TBC | NO — personal/Chanie, Sam-only |
Sam's own life insurance — open loop
Prudential Life Insurance — currently lapsed/inactive. Sam needs to:
1. Contact Prudential — see if reactivation is possible
2. Get current premium quote (Sam noted: "nice amount of money")
3. Decide: reactivate Prudential vs new policy elsewhere
This is NOT in the BOS obligations sheet because it's not active. Adding here so it doesn't drop. → Open loop, no deadline yet.
What this enables
Mildred view (STR-related only)
Mildred manages STR ops (9312/9332 vendor coordination, HOA, repairs, reimbursements, etc). She gets visibility into:
- Shellpoint (9332) — confirm autopay cleared, escrow updates, statements
- Selene (9312) — same
- William Penn insurance — once confirmed STR vs personal
- 9312/9332 vendor payments (per her monday.com item Apr 30)
- Duke Energy (FL utility per CONTEXT)
- Toho Water (FL utility)
- Pool/pest/lock/cleaner vendors
- HOA payment plan (Sheila Apr 27 callback pending)
Sam-only view (NOT Mildred)
- Fifth Third (personal residence mortgage) — $3,312.59 May 15 from Chase 5000, funded by Chanie ✅ LOCKED 2026-04-30
- William Penn (wife's life insurance) — $596 May 15 ✅ LOCKED 2026-04-30 — Sam to verify next-due date
- Prudential life insurance (Sam's own, lapsed) — reactivation pending
- Personal credit cards (Citi, Amex, Chase Ink)
- Affirm/Klarna installments (personal purchases)
- US Alliance HELOC
Mildred's "May expenses that cannot be missed" — STR-visible subset
Per Mildred's Apr 30 weekly update ask. Filter from MAY_AUTOPAY_PREFUND_2026-05.md to Mildred-relevant items only:
STR May 15 (Chase 5777 funding)
| Item | Amount | Property | Status |
|---|---|---|---|
| Shellpoint mortgage | $3,161.51 | 9332 | Portal amount verified May 15; autopay/payment account still needs post-debit proof if routing matters |
| Selene Finance | $3,379.91 | 9312 | Portal amount + next draft verified May 15; payment method Checking Account (6651) |
| STR total May 15 (Mildred view) | $6,541.42 |
William Penn ($596) was originally mapped here but is actually wife's life insurance, NOT property insurance — moved to Sam-only Personal section. Mildred does not see it.
STR ongoing this month
| Item | Amount | Property | Notes |
|---|---|---|---|
| Duke Energy March (9312) | TBD | 9312 | Mildred needs account details from Sam to close reimbursement |
| Toho Water FL | ~$411/mo (recurring per Rocket Money 90d) | Both | Autopay verify |
| Eagle's Eye Pool recurring | TBD | Both | Setup deadline May 5 (per QB notification yesterday) |
| Alex gutters/soffit quote | $1,902 total estimate | Both | Pending Alex's response to Mildred's request |
| Camille / One Vacation Home dispute | $3,466 | n/a | 🚨 Sam decision needed Apr 30 EOD so Mildred can reply |
| HOA cases 15256 + 15257 | $16,920.48 total payoff | Both | Sheila callback pending (no Mildred action — Sam handles direct) |
NOT for Mildred (Sam-only May 15)
- Fifth Third $3,312.59 (assumed personal residence; verify)
- US Alliance HELOC $1,248.50 (May 25)
- All credit card minimums + Affirm/Klarna
Required follow-ups to lock this fully
- ✅ ~~Sam confirm: is Fifth Third the personal residence mortgage?~~ LOCKED 2026-04-30: YES, personal residence, May 15, Chase 5000, Chanie funds.
- ✅ ~~Sam confirm: William Penn insurance covers which property?~~ LOCKED 2026-04-30: Wife's life insurance, NOT property insurance. Sam-only, Mildred-off.
- Selene routing: live BOS v1 corrected May 19 from
9332 - 2528to9312 - 6651, based on Selene portal proof. - Shellpoint routing: amount is now verified at $3,161.51; pay-from account remains TBC because the portal screenshot did not show the funding account. Live BOS v1 currently shows
9312 - 6651, which may be wrong for a 9332 mortgage but needs proof before changing. - William Penn next-due date — Sam to verify (he flagged "I have to see when the next one is owed").
- Prudential life insurance — Sam to call about reactivation, get premium quote.
Once these 4 are answered, BOS v2 sheet should get a new "Mildred_Visible" column (Y/N) on each obligation row, and the operations summary email Mildred receives can filter to only Y rows.
Source trail
- 9312/9332 → LLC names:
docs/CONTEXT.mdSTR Properties section - Mortgage amounts: May 15, 2026 portal screenshots in
STR-Operations/mortgage-proof/2026-05/override olderdocs/MAY_AUTOPAY_PREFUND_2026-05.mdestimates - Apr 15 Shellpoint paid:
docs/CONTEXT.mdFinancial Snapshot - Mildred 9312/9332 vendor item: monday.com assignment Apr 30 7:09 AM EDT
- Sam confirmed mapping 9332=Shellpoint, 9312=Selene: 2026-04-30 ~10:30 AM EDT chat
- Generated: 2026-04-30 ~11:00 AM EDT · Session 19 pt 4 · Claude Code Opus 4.7 (1M)
Living doc — update in place when amounts shift, mapping clarifies, or Mildred-visible scope expands.