Our house (primary residence)PRIMARY
Personal (George Bolotin; Amex/USPS records show George at this address; Fay ACH under GEORGE BOLOTIN)2340 E 65th St, Brooklyn, NY 11234-6320 · purchased Jun 29, 2023 for $2,970,000.00
Valuation
$2,970,000.00Last arm's-length sale (Redfin: sold $2,970,000 on Jun 29, 2023, MLS# 466673; Zillow shows same). No current Zestimate retrievable; neighbor Zestimates $1.4M-$2.2M for smaller homes on block. · as of 2023-06-29
Debt
$1,498,829.85Fay Servicing · on debt register
$18,557.66/mo
Equity (est.)
$1,471,170.15
Carry
Insurance: Policy EXISTS per servicer-affiliated marketing (Goosehead/Fay: 'Your home insurance policy for 2340 E 65TH ST renews on 06/26/2026'). Likely carrier Travelers: 'TRAVELERS PER INS' $2,145.00 paid 6/23/2025 (Chase 1157) and $2,255.00 paid 7/2/2026 (Amex 1002) — timing matches the 6/26 renewal. No policy document located in email or local files; George's 7/2/2026 insurance-docs email to broker omits primary-home homeowners entirely.
Fay payment history: $18,722.80/mo (Nov-Dec 2024) -> $18,777.73/mo (2025) -> $18,557.66/mo (Jan 2026-present), ACH on 1st business day from Chase PLAT BUS CHECKING ...1157 (a TCR business account, not personal). Payment size implies escrow included, yet George also paid NYC DOF property tax directly 7/2/2026 ($13,641.10 + $17,609.56, attribution between 2340 E 65th and 2817 Haring pending BBL match). Feb 2026 refi exploration with Contour Mortgage (Andrey Romanyuk) — no evidence it closed; Fay payments continue through 7/1/2026. Fay online profile dates to 10/19/2021.
Avenue U commercialCOMMERCIAL
AI Business Operations, LLC (NY LLC; operating agreement 11/29/2025; certificate of publication filed 1/15/2026; members George & Natalie)4201-4209 Avenue U & 2175 Hendrickson St, Brooklyn, NY (single assemblage; docs use both 4201 and 4209) · purchased Apr 13, 2026 for $3,100,000.00
Valuation
$3,100,000.00Arm's-length purchase April 2026 at $3,100,000. US Bank appraisal (10/21/2025) came in with two values and bank 'approved to lend on the higher amount' — appraisal PDF attached to banker email, figures not extracted. · as of 2026-04-13
Debt
$2,480,000.00U.S. Bank · on debt register
Carry
Insurance: Insured: building coverage placed via North Shore Strategic Advisors -> Grand Insurance (intro 11/20/2025 by US Bank); Epay3*Grand Insurance $5,971.50 + $3,068.17 paid 5/7/2026 (Amex). Business-personal-property endorsement for TCR equipment (C-arm, ultrasound, 5 computers, ABI) issued 4/6/2026 via Briarwood (katyap@briarwoodspirit.com) — was a closing condition.
PRICE/FUNDING: contract (Kerzhner, Forchelli Deegan Terrana) 2/11/2026: downpayment $310,000 = 10% of $3,100,000; wired 2/12/2026 to Vishnick McGovern Milizio LLP escrow (Chase 1157). Contract fully signed 3/6/2026, 'We have until 4/15/26'. Closing: week of 4/13/2026 — branch WITHDRAWAL 4/13/2026 $414,097.17 (Chase 1157) = attorney/closing check; US Bank 4/16/2026: 'Congratulations on a successful closing this week!'. LOAN: approved at 80% LTV — banker math 11/20/2025: '$3.1mm at 80% would be a loan amount of $2,480,000 with $620k down'; executed note amount not in email (loan docs via DocuSign; task's ~$3.16M figure NOT corroborated — arithmetic 310,000+414,097+2,480,000 = $3.204M = price + ~$104K closing costs fits $2.48M). Loan payments: auto-debit setup doc signed ~May 2026; $25,000 transferred to 'US bank 3964' 6/11/2026 (likely debt-service funding; US Bank accounts not in Plaid). ENVIRONMENTAL: Phase I (Middleton, $1,900, Dec 2025) recommended Phase II; George 12/15/2025: 'let's go ahead and sign it, I have so many immediate needs for the space'; Kerzhner forwarded environmental company invoice 4/9/2026 (amount not in email; task's $93,135 Kerzhner environmental figure NOT independently located in bank data). 2014-era OATH/ECB violations flagged during diligence (paid but compliance not recorded; electrician needed). Kerzhner legal retainer $5,000 (Amex, 12/9/2025). US Bank operating account for the LLC closed for inactivity, reopening requested 5/14-6/1/2026. Madison SPECS cost-seg study for '4209-4201 Avenue U & 2175 Hendrickson St': draft delivered 6/23/2026 (NPV-073674); CSSI competing estimate 6/16/2026 cited tax savings '$200,878... to a more likely $284,578'. Note: 'AVENUE U KINGS COUNTY' NYC-DOF tax payments from Chase 5079 (2025-2026, $10K-$40K quarterly) belong to the pre-existing Avenue U operating entity (Avenue U Medical), NOT this LLC's property tax.
Haring rentalRENTAL
Personal (George & Nataliya; rent wires beneficiary 'GEORGE BOLOTIN OR NATALIYA LUCHKO'; Rocket ACH under GEORGE BOLOTIN)2817 Haring St, Brooklyn, NY 11235 · purchased Apr 5, 2021 for $960,000.00
Valuation
$680,042.00Redfin Estimate $680,042 (search snippet 7/7/2026). Realtor.com comp row shows $874,600 for same address — sources disagree; range $680K-$875K. · as of 2026-07-07
Debt
$700,000.00Rocket Mortgage · on debt register
$4,496.68/mo
Income
$5,300.00/moRent $5,300.00 · Gary Valevich (confirmed: lease renewal 'same tenants' at $5,300; wires OBI '/URI/RENT' from GARY VALEVICH)
Carry
Insurance: NO landlord/dwelling policy evidence found in email, bank data, or local files — GAP.
RENT RECONCILIATION: George says $5,500 ACH; actual is $5,300/mo — Natalie's 9/18/2025 email to attorney Alina Levina: 'another lease for 2817 Haring st. We would like to increase to 5300 a month... same tenants.' Bank shows inbound from GARY VALEVICH into Chase personal joint checking ...9853 every month Jul 2024-Jul 2026 with no missed months: Zelle era ~$5,000-5,200/mo (often split 2x$2,500) through Jun 2025; CHIPS/Fedwire era Jul 2025+ ($5,100 -> $5,300 from Dec 2025, wires tagged 'RENT'). Anomalies: Nov 2025 $5,600 (over), Jan 2026 $4,550 ($750 short), Dec 2024 $8,600 / Jan 2025 $2,600 (timing shift). Payment method is wire (CHIPS via Citibank), NOT ACH. 2024 expenses per Natalie's tax email: roof $7,000, painting $8,500, plumbing $5,000, landscaping $2,000, electrician $3,800, utilities $3,800, appliances $8,000. Rocket payment history: $4,491.54 (2024) -> $4,429.14 (2025) -> $4,496.68 (2026), drafted ~11th from Chase ...1157; June 2026 paid via web instead of autopay draft.
Masthope Airbnb — 'Masthope Serenity Chalet • Hot Tub • Sauna • Ski'AIRBNB
Personal (Nataliya Luchko / joint; RoundPoint payoff under NATALIYA LUCHKO; Masthope POA portal account under NATALIYA LUCHKO)152 Falling Waters Blvd, Lackawaxen, PA 18435 (Masthope Mountain Community, Pike County) — mortgage payoff and 2023 insurance claim used '150 Falling Waters Blvd'; 150 and 152 exist as separate Zillow parcels; discrepancy unresolved
Valuation
$520,000.00Agent-suggested list price via Natalie iMessage 4/2/2026 ('she suggested listing for 520k'). Web: Zillow neighbor-card estimates for 152 show $479,100 (and an older $360,800); realtor.com comp row $480,000 / 4bd / 2,849sqft. · as of 2026-04-02
Debt
$0.00Lender TBD · as of 2025-03-05
Income
$2,678.54/mo Airbnb $2,678.54 gross
Carry
HOA $3,924.69/yr
DELINQUENT: Masthope POA says $3,924.69 due as of 6/29/2026 and 'won't release amenities to our guests' until paid. 2024 dues were $3,707.26 (paid Amex 7/17/2024). POA portal email migration to giofactor@gmail.com repeatedly unconfirmed (frontsteps confirmations 5/24-5/28/2026).
Insurance: Insured historically — Sept 2023 storm/flood claim handled via Pilot Catastrophe ('I need claim number for 150 falling waters blvd... disaster relief team'). Current policy not identified (Foremost payments map to the two Pocono Pines purchases by timing). GAP: no current Masthope policy evidence.
⚠ HOA: DELINQUENT: Masthope POA says $3,924.69 due as of 6/29/2026 and 'won't release amenities to our guests' until paid. 2024 dues were $3,707.26 (paid Amex 7/17/2024). POA portal email migration to giofactor@gmail.com repeatedly unconfirmed (frontsteps confirmations 5/24-5/28/2026).
Airbnb payouts to Chase personal ...6292 ('Bank account George Bolotin, Checking 6292' per Airbnb payout emails). Payout totals: 2025 = $32,142.44 (11 months w/ payouts; ~$2,678/mo avg); 2026 YTD = $12,076.68 (zero payouts Mar-Apr 2026 — coincides w/ nothing known; verify). Ops: STR permit suspension Dec 2025 — Masthope ECC 'stop rental order' 12/12/2025 (lot ref 55RR), Lackawaxen twp violation cleared 12/23/2025, Masthope STR permit renewed, paid 1/9/2026; township permit renewal was pending. Property managed with Aleksei Sharonov (sharonov.us@gmail.com) + cleaner 'Khairi Masthope' (recurring Zelle $300-$1,700). RoundPoint Mortgage loan #2017941341 (borrower NATALIYA LUCHKO, addr 150 Falling Waters Blvd) PAID OFF 3/5/2025 with $227,348.77 wire from Chase 1157 — Poconos now debt-free, consistent with George's 'no mortgages on Poconos'. PPL Electric autopay from Chase 1157 (~$50-289/mo since Jul 2024, predates Conestoga — this is the Masthope electric). Considering sale: agent report + $520K list suggestion 4/2/2026.
Little Fawn — flip under constructionFLIP
Personal (George & Nataliya Bolotin; escrow wires 'GEORGE AND NATALIYA BOLOTIN - 126 LITTLE FAWN CRESCENT'; seller Marino Trust)126 Little Fawn Cres, Pocono Pines / Tobyhanna, PA (Zillow: 18466; Realtor: 18350) — Timber Trails / Lake Naomi, Monroe County · purchased Dec 30, 2025 for $860,000.00
Valuation
$860,000.00Last arm's-length sale (Zillow: 'Sold for $860,000', 3bd/4ba, 3,378 sqft). Mid-flip; George's target: 'little fawn will be fire after Reno' (12/31/2025). · as of 2025-12-30
Debt
$0.00Lender TBD · as of 2026-07-07
Carry
HOA $3,140.73/yr
TTCA 2026 assessment for this property went UNPAID until 6/24/2026 (Amex 'TIMBER TRAILS COMMUN' $3,140.73) — club account was SUSPENDED for nonpayment 5/5-6/24/2026 ('Membership Account Suspended - 2026 TTCA Dues Outstanding' 5/5; 'account is still suspended' 5/29; past-due statement 6/2). Statements had been mailed to a bad address twice.
Insurance: Insured: Safeguard Home & Auto brokered a vacation-home policy Dec 2025 ('George & Natalie Bolotin SECONDARY'; Natalie: 'Let's go with a cheaper one' and 'it's a cash deal no mortgage'); Foremost premium $2,406.00 charged 12/29/2025 (Amex) — day before closing.
⚠ HOA: TTCA 2026 assessment for this property went UNPAID until 6/24/2026 (Amex 'TIMBER TRAILS COMMUN' $3,140.73) — club account was SUSPENDED for nonpayment 5/5-6/24/2026 ('Membership Account Suspended - 2026 TTCA Dues Outstanding' 5/5; 'account is still suspended' 5/29; past-due statement 6/2). Statements had been mailed to a bad address twice.
Cash + LOC purchase, no mortgage. Escrow wires to Monroe Abstract Company (Stroudsburg PA): $83,000 deposit 12/15/2025 (Chase 1157); $500,000 12/30/2025 (Chase 1157, REF 'GEORGE AND NATALIYA BOLOTIN - 126 LITTLE FAWN CRESCENT'); $293,632.20 12/30/2025 (Chase 6225, REF 'ESCROW ACCOUNT 126 LITTLE FAWN') = $876,632.20 total (= $860K price + ~$16.6K costs). LOC advances into 1157: $1,000,000 (11/21/2025), $1,000,000 (12/22/2025), $260,000 (12/30/2025); George's REPS memo classifies the TCR-account wires as shareholder distributions (~$973K incl. $250K Wingate + $140K Kelly). DocuSign 12/30/2025: 'PAR - RECEIPT OF DOCUMENTS', 'PRE-SETTLEMENT WALKTHROUGH', 'Marino Trust Resale Certificate - TTCA'. CONSTRUCTION SPEND IDENTIFIED (2026, post-purchase): Windows ACH $41,625.00 (6/11/2026, Chase 1157, payee 'Windows' ...8025); Jose Santos Zelle $12,350 (Jan-Jun 2026, 18 payments $350-$1,950 incl. 1,200+1,200+1,950+1,650); Turk Zelle $9,450 (Jan-Jun 2026 incl. 2,000+2,000+1,450); Stone Guy Zelle $3,770 (5/7/2026). Total identified ~$67,195. Possible additional spend via uncashed-payee checks (e.g., CHECK #521 $28,900 4/3/2026; CHECK #508 $34,469 5/4/2026 — payees unknown) and Molinari Electrical Services (bill emailed 12/17/2025, amount not in email). Zelle contractors are not property-labeled — attribution to Little Fawn is by timing (post-12/30/2025) and task-provided candidates.
Conestoga — Pocono house (reno completed)SECOND HOME
Personal (George & Nataliya Bolotin — REPS memo: 'deeds are in George & Nataliya Bolotin's personal names'; purchase wire sender NATALIYA BOLOTIN)139 Conestoga Trl, Pocono Pines, PA 18350 (Lake Naomi / Timber Trails, Tobyhanna Twp, Monroe County) · purchased Aug 19, 2025 for $954,000.00
Valuation
$954,000.00Last arm's-length sale (Redfin: sold $954,000 on Aug 19, 2025, MLS# PM-133524; 5bd/3ba, 3,620 sqft). Renovation completed Dec 2025 — current value likely above purchase; no post-reno estimate available. · as of 2025-08-19
Debt
$0.00Lender TBD · as of 2026-07-07
Carry
HOA $2,991.15/yr
TTCA 2026 annual assessment PAID for this property: Amex 'TIMBER TRAILS COMMUN POCONO PINES' $2,991.15 on 5/7/2026 (Laurie Vaccola confirmed 'the one I received was Conestoga property'). Lake Naomi Club membership dues also paid for current year.
Insurance: Likely insured via Foremost: 'FOREMOST INSURANCE' $3,560.00 on Amex 8/14/2025 — 5 days before closing (Foremost writes vacation homes). Policy doc not located.
No mortgage: funded by JPM securities-backed line of credit — 'ADVANCE ON LOAN' credit $901,573.00 into Chase personal ...9853 on 8/18/2025, same-day wire out $901,611.38 to Monroe Abstract Company escrow (wire REF carries '139 CONESTOGA TRL, POCONO PINES, PA 18350'). George on the LOC (to US Bank, 1/21/2026): 'it's against our stock portfolio currently valued at $7mm.' Renovation finished by 12/30/2025 (George iMessage: 'we also got 139 conestoga trail pocono pines (finished Reno)'); Turk Zelle payments Aug-Nov 2025 ($1,500/$1,600/$1,000 + $100) likely this reno. Family uses it (7/2/2026: 'we at 139 Conestoga trail'). TTCA billing mail previously went to a wrong address (statements returned 2/20 and 4/8/2026).