Trevor Gravink is a mortgage consultant and CEO of Broker Buddy LLC in Normal Heights, San Diego, based at 5371 Wilshire Drive in the 92116 ZIP, with NMLS #1707407 and CA DRE #20117228. The practice brokers purchase loans, refinances, FHA first-time-buyer mortgages, VA loans, jumbo financing, renovation loans, and DSCR (Debt Service Coverage Ratio) products for real estate investors, powered through Sunnyhill Financial Inc.'s wholesale lending platform. DSCR loans underwrite investment properties based on the property's rental income relative to the mortgage payment rather than the borrower's personal income, a product Gravink has explained in detail on his REBrokerBuddy YouTube channel covering both short-term and long-term rental scenarios. Gravink also holds a California real estate license, allowing him to represent buyers and sellers in the same transaction pipeline where he originates financing — a dual-capacity model he coordinates with teams including The GreenHouse Group on listings where mortgage pre-approval timing directly affects offer competitiveness. The Wilshire Drive office sits in the residential mesa above Adams Avenue, near the intersection with 35th Street, in a section of Normal Heights where single-family home values and small multifamily buildings generate consistent purchase and refinance volume. Gravink transitioned into mortgage lending from the solar industry and has built his practice over seven years, adding the real estate license five years ago to offer clients a single point of contact from property search through loan closing. Tax and financial documentation for each loan package requires current returns and income verification, and Gravink routes clients to accounting practices including Murillo Services when borrowers need prior-year amendments or updated profit-and-loss statements before entering underwriting. Hard money lending rounds out the practice for investors who need bridge financing on fix-and-flip acquisitions where conventional underwriting timelines would cost the deal.