Happy Investments Inc in Chula Vista originates residential and commercial mortgage loans from Third Avenue under California DRE #01485740 and NMLS #950873, with a product menu spanning hard-money bridge loans, FHA purchases, and vacant-land financing. The firm's hard-money rehabilitation program finances structural and mechanical upgrades on distressed properties, funding renovation scopes that include sewer-line replacement and plumbing overhauls coordinated with contractors such as Solid Plumbing & Drains Inc. Established in 1999 with a principal office in Corona and a Chula Vista branch at 1223 Third Ave, the brokerage underwrites bank-statement loans for self-employed borrowers and private-money products for investors purchasing fix-and-flip properties across the South Bay market. The Third Avenue office handles commercial mortgage origination alongside residential products, covering multi-unit investment properties, mixed-use buildings, and vacant-land parcels throughout San Diego County. Fix-and-flip borrowers using the firm's bridge-loan products complete interior and exterior finish work through local trades, coordinating cosmetic renovation alongside Montgomery Paint Contracting and other South Bay contractors before resale. The brokerage structures transactional funding for double-close investor deals and underwrites hard-money loans secured by real property with loan-to-value ratios calibrated to after-repair value, processing both first-lien and subordinate positions on investment properties across Chula Vista's 91910, 91911, and 91913 ZIP codes.