Ric Manalo in Chula Vista's Eastlake corridor holds CalDRE broker license #00757836 and operates through eXp Realty from his Kuhn Drive office in the 91914 ZIP code. His buyer-side financing pipeline routes pre-approvals through VA-specialized lenders at Andre Enriques Mortgage Banker - VA Loan Expert, a referral channel that serves the military families concentrated in South Bay's base-adjacent neighborhoods. A second-generation San Diego native with a University of San Diego education, he carries more than 25 years of active licensure spanning residential resales, investment acquisitions, and property management across Chula Vista homes for sale. Manalo Realty Inc. has maintained a South County presence for over 40 years, and his current eXp affiliation extends MLS reach into the Eastlake Parkway and Olympic Parkway corridors near Otay Ranch Town Center. Homeowner's policy verification before funding coordinates through carriers at Jennifer Thibodeau - State Farm Insurance Agent to confirm dwelling-replacement-cost coverage meets lender HO-3 requirements. His most complex transactions involve multi-unit investment acquisitions requiring per-unit rental income verification, DSCR loan qualification, and concurrent Section 1 termite clearances across properties with four or more separately metered units.