For residential investment analysis in downtown San Diego, Julie Chang holds CA DRE #01978767 and runs a market feasibility practice from Pacific Sotheby's Middletown office on West Ash Street. Investment clients purchasing multi-unit properties benefit from her dual background in private lending and brokerage, a transaction model that pairs with fiduciary planners like Daniel Shahmoradian, CFP - Financial Planner for portfolio-level strategy. The firm incorporated as Julie Chang Real Estate, Inc. in 2018 and delivers market studies, rental analyses, and highest-and-best-use assessments for developers and institutional investors across multiple asset classes. Short-term fix-and-flip lending structures require pre-purchase property condition reports, a due-diligence step commonly fulfilled by firms like IN-DEPTH Inspections and Real Estate Services Co. before capital deployment. Highest-complexity engagements involve structuring sub-12-month bridge loans on non-owner-occupied 1–4 unit residential properties, layering DSCR underwriting with comparative market analyses to project post-renovation exit values.