DRE #02097519 identifies Annie Lopiccolo Stotz, who works the Stotz Real Estate Group at 4898 Niagara Ave alongside broker/owner husband Numan Stotz (DRE #01759803) across San Diego and Orange County. Active-duty and veteran buyers moving through Naval Base Point Loma close their purchases through VA-loan lenders including California VA & Vet Loans, where the Certificate of Eligibility, funding fee, and VA appraisal repair demands get coordinated against the 30-day escrow. Listings span Ocean Beach cottages on Voltaire, Point Loma condos, and Clairemont Mesa starter homes, with pre-list staging and painting routinely handled before photography. Pre-listing prep work including finish carpentry, cabinet tune-ups, and baseboard replacement runs through trade contractors like Cutting Edge Carpentry to push the final sale price toward the top of the comp bracket. Buy-side work covers first-time buyers using CalHFA down-payment assistance and move-up buyers bridging with HELOCs against current equity. The most involved transactions are dual-market OB-to-Orange-County relocations where a concurrent buy-and-sell escrow has to close same-day across two counties without a rent-back gap.