I hadn't thought of the password thing, but I had one thought on my last read through and it is driving me a little crazy. A lot of the guys were friends since elementary school, but the only ones that live close to each other to go to the same school are Nathan and Kota. Everyone else is all over the place. Luke possibly could have as I believe it was mentioned that they fix up different houses and sell them, so he might have been in the area. Gabriel is a harder sell as he probably lived in slightly poorer neighborhoods, but I guess I can accept it as a remote possibility. However, there is no way that Victor went to the same elementary school as they did. He just doesn't live close enough and he probably would have gone to some fancy private school anyways.
Does anyone else have this concern or is it just me?
The phone thing was bugging me in my last re-read, so thank you for clearing that up.
As for the guys all being at the same elementary school, I always pictured Nathan and Kota living where they do now, with Gabriel's family across the main road in the trailers (near where Tom and Micah live now).
There is nothing in the books which says Victors family is old school money, so I always assumed his Dad worked his way up from humble beginnings. This would explain why his parents seem so eager to show off their wealth and status. Which puts Victor growing up near Nathan and Kota before moving to the Mansion he live in now.
I never could work out how Luke fit in, but as you pointed out it was most likely the case of living in the area while his uncle fixed houses and sell them on.