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Hub-internal · P1 P4 · DP progress + accounts + income

Down Payment progress

Current (Barclays vault) $23,282

Target (Total Cash Needed) $44,883

Gap $21,601

% complete 51.9%

Monthly velocity $3,157/mo

Months to target (no brokerage hit) 6.8 months → ~2026-12-XX

Action

At $3,157/mo velocity, DP target hits in ~7 months without touching brokerage — capital strategy's "$8k max brokerage liquidation" is unnecessary at current trajectory.
Pull-forward option: temporarily reduce monthly investing ($1,031/mo → $600/mo would free +$431/mo → cuts ~0.8 months off timeline).
If a listing emerges sooner: late July liquidity event (RSU) is the replenishment lever — capital strategy Phase 6.

Repurposable income streams ($4,260/mo total)

Barclays (DP Vault)$2,121/mo

new savings$348/mo

Cap1 Perf (taxes)$169/mo

SCU Holiday Club$120/mo

upgrade clg$96/mo

Save hub$92/mo

Ally Buckets$69/mo

HEB Debit$60/mo

Ally car$59/mo

PayPal Savings$12/mo

Other (Dcu/Everbank/etc.)$1,114/mo

Post-raise total ~$6,260/mo (All overflows CSV). Master doc's older $2,274/mo figure superseded.

Account consolidation tracker

Current accounts ~28

Underwriting target (capital strategy) 2 (Operating + Mortgage Funds Vault)

Gap 26 to consolidate or de-emphasize

Capital strategy: "Quiet, boring statements for 60 days before closing." Recommendation: keep Barclays as Mortgage Funds Vault, route paychecks through ONE checking, archive or stop using the rest. Don't close mid-process.

Big-picture position

Total Save + Invest $93,146

Saved Balance (non-invest) $43,637

Brokerage (see Investment card) $49,509