DRE 01979227 licenses Adam Renick under Coldwell Banker West at 1851 Cable St, a residential agent who taught high school Earth Sciences at Health Sciences High & Middle College in San Diego from 2008 to 2015 before pivoting full-time into real estate and who served as a NOAA Teacher at Sea fellow. The practice specializes in Ocean Beach, Point Loma, and City Heights, with a particular focus on teacher and educator buyers whose CalSTRS pay structure requires specific treatment during mortgage qualifying — a workflow that routes legal review through Birdsill Law on closings that include contingency negotiations. VA loans, CalHFA down payment assistance programs, and first-time buyer workflows form the core production, along with seller representation on relocation sales. Homeowner insurance needs for buyers purchasing their first 92107 bungalow pair with coverage from Ives Insurance Services for the hazard policy and earthquake rider decisions that coastal parcels require. The teaching background shows up in how buyer consultations are structured around documented research rather than pressure. The most complex transactions are first-time buyer files combining CalHFA MyHome down payment assistance with a VA loan on a property needing termite, roof, and foundation repair negotiation inside a 17-day inspection contingency window.