DRE 01717525 and NMLS 1190199 cover OBMortgage on Coronado Ave, a Peninsula brokerage where the owner — a San Diego State graduate and California real estate broker since 2006 — shops rates across more than 90 wholesale lenders for Ocean Beach and Point Loma borrowers. A pricing engine runs live rate comparisons on conforming and non-conforming scenarios, which matters for investment buyers competing for OB bungalows and duplexes listed through Cornelius Estates Group. FHA programs run alongside conventional and jumbo files, with wholesale pricing access that often undercuts retail bank rate sheets. Mixed-use and small multifamily financing connects to the commercial-residential deal flow handled by Checkal Real Estate and Development, Inc. on Newport Ave and the alley-facing corners a few blocks off the pier. The owner's property management and sales background — ahead of loan origination — informs how investor files are structured. The most complex engagements layer non-QM bank-statement income with DSCR coverage on 2-4 unit beach rentals, where short-term rental revenue offsets conventional underwriting limits on properties inside the coastal overlay zone.