U.S. BANK NATIONAL ASSOCIATION, as Trustee FOR SG MORTGAGE SECURITIES ASSET BACKED CERTIFICATES, SERIES 2006-FRE2, Plaintiff-Appellee, v. Koki Nilesh KOTAK, fka Koki Boghra; Nilesh Kotak, Defendants-Appellants, and Mortgage Electronic Registration Systems, Inc.; Paccon Construction, Inc. ; Central Pacific Bank; Troy Capital, LLC, Defendants-Appellees, and John Does 1-10; Jane Does 1-10; Doe Partnerships 1-10; Doe Corporations 1-10; Doe Entities 1-10 and Doe Governmental Units 1-10, Defendants