San Diego, CA
My wife and I used our military benefits to buy a $1M property in San Diego. It kickstarted my real-estate business.
- Erwin Jacob Miciano left the Navy in 2021 to focus on his real estate business full-time.
- Miciano and his wife used VA loans to buy a triplex and start their business, Semi Homes.
- Semi Homes helps homeowners avoid foreclosure and launched Miciano’s real estate career.
This as-told-to essay is based on a conversation with Erwin Jacob Miciano, a 27-year-old real-estate investor and the owner of Semi Homes in South El Monte, California. It has been edited for length and clarity.
I’m a dedicated dad, a committed husband, a real-estate investor, and the co-owner of Semi Homes, a real-estate company specializing in direct-to-seller transactions and marketing strategies. I co-own the company with my wife, Theressa.
I don’t have a college degree. I graduated from high school in 2015 and first worked at Wetzel’s Pretzels. I decided to join the Navy to support my family abroad in the Philippines and my mom and brother in the US.
In March 2016, after three months of boot camp, I completed the basic training to become a photojournalist. Until September 2021, I served as a mass communication specialist, with most of my overseas years based in Japan, stationed on the USS Ronald Reagan.
I separated from the military in 2021 to pursue real estate full-time
My Navy job included writing press releases, aerial photography, videography, and printing. In later years, I was stationed at the Naval Hospital Balboa in San Diego, where we covered COVID-19, and I was deployed with USNS Mercy to San Pedro in Los Angeles during the pandemic.
I was presented with an “early out” program because of overmanning in my job, and it allowed me to complete my contract a couple of years early. I had already started my business, but leaving the military allowed me to pursue it full-time.
I also wanted to spend more time with my young family. My eldest was born in January 2020.
My wife and I met on the day I arrived on the USS Ronald Reagan in 2016
We became friends through the first-response/firefighting team, where she worked as an electrician. We also noticed each other at church services, and she invited me to her baptism ceremony, where she was baptized inside an open jet fuel tank.
Early in our relationship, we lived together in a small Japanese apartment. Then, we spent about a year doing long-distance, with me still deploying on the carrier and her based in San Diego.
After a year of dating, we got married, and soon after some vacation in the US, we discovered we were expecting our first child. During most of her pregnancy, Theressa lived alone until I got stationed in San Diego around her seventh month.
That same year, I became deeply interested in personal finance and real-estate investing, inspired by stories of blue-collar workers achieving financial freedom through real estate. I learned the most from the BiggerPockets podcasts.
We were motivated to become first-time homebuyers
We were eager to apply what we had learned and planned to use the VA loan entitlement from our military service. VA entitlement is how much lenders can lend to a veteran or active duty member without providing a down payment.
We aimed to buy a multifamily property — ideally a duplex, triplex, or fourplex — so we could live in one unit and rent the others to offset our mortgage. Today, this strategy is known as house hacking.
Being stationed in San Diego gave us a few key advantages
The housing allowance we received as military members was higher than in most US locations, boosting our household income to about $10,000-$12,000 monthly. This allowance was discontinued once we both left the military. Theressa left the Navy almost a year before I did at the end of 2020.
Second, the VA loan allowed us to buy a multifamily property with zero down payment.
Third, we included 75% of the gross rental income from the property in our loan application, increasing our approved loan amount. On paper, our monthly gross increased to $15,000-$17,000.
Finally, new legislation removed local VA loan limits for first-time users, giving us more purchasing power.
After months of searching, we found a triplex listed for $1.2 million
We offered $1 million and settled at $1.1 million. By March 2020, we had moved into a three-bedroom unit while renting out the other two for about $4,000 a month, reducing our housing costs to less than what one-bedroom rentals were going for at the time. This was the start of Semi Homes.
After living in the triplex for two years, we moved in with my mom and brother in September 2021 in the San Gabriel Valley. The triplex is now fully a rental property generating $1,500 to $2,000 monthly profit.
My day-to-day work involves meeting with homeowners who are looking for support in selling their properties
We now buy properties and resell them for a profit. We also help sellers in deep foreclosure and save them from it. My role is to get my team in front of our target audience and guide clients through the entire process, all the way to the closing table.
There are also late-night administrative hours and business-building, which I work on three to four nights a week. The biggest change from my Navy days is that I’m no longer away from my family for long periods — a small freedom I cherish.
I feel both fulfilled and successful
While Semi Homes started as a way to build wealth and achieve financial freedom for my family, it’s grown into something more.
We stay in this tough business because we truly believe in the value we provide to the individuals we work with. I’m focused on building our online presence and spreading the word that foreclosing is not the only option.
I see myself in real estate for the rest of my life.
Want to share your story about getting on the property ladder? Email Lauryn Haas at lhaas@businessinsider.com.
San Diego, CA
Padres win late again, take series from Giants
SAN FRANCISCO — This is who the Padres are.
They are eventually. They are find a way.
They are virtually nothing — and then they are what is necessary.
“When it’s time to go, we’re ready to go,” Gavin Sheets said Wednesday afternoon after another typically untypical victory. “And we’ve got guys to do it, and we’ve got guys that are ready in any moment.”
Ty France was the one who encapsulated that ethic in a 5-1 victory over the Giants at Oracle Park.
Sent to the plate as a pinch-hitter with two outs in the seventh inning with one strike against him, France worked the count full and then lofted the seventh pitch he saw down the right field line.
As the ball fell, right fielder Jesus Rodriguez dove to try to make what would have been an inning-ending catch, but the ball bounced off his glove and rolled into the corner.
“I knew I didn’t hit it great, so I was hoping that it was going to get down,” France said. “He made a great effort, and fortunately for me, it kicked away.”
Yes, that is how it has gone for the Padres.
As the ball bounced off the side wall and died in the dirt, two Padres baserunners raced home and France ran all the way to third base.
Some deliberation in the dugout regarding personnel had resulted in France getting late word he would be hitting and his being assessed a strike for a pitch clock violation not of his own doing.
“Great at-bat by Ty,” manager Craig Stammen said. “I don’t know if the manager put him in the greatest position to succeed, but we got him out there and he came through and made me look good.”
That France went up and delivered one of the more clutch at-bats of the season was entirely on brand for the Padres of 2026.
His hit was the third by a Padres substitute that gave them a lead in the final three innings of a game. It provided the edge for the Padres in their 11th victory (of their 22 total) earned in the seventh inning or later. It required some good fortune, and it masked the fact that they had three hits to that point and had the 17th quality start thrown against them in 36 games.
What they don’t do just doesn’t seem to matter. It has so far been outweighed in great measure by what they do.
“We’re a resilient group,” France said. “It’s going to be someone different every day. We’ve got to keep putting good at-bats together. When we do put those big innings together, it’s because we’ve had, one after the other, just consistent, good at-bats.”
So it is that a riddle of a season continued, as the Padres won for the third time in four games. This comes after they lost five times in six games, which came after a 16-3 stretch, which followed a 2-5 start.
Xander Bogaerts, who entered the game at shortstop after France pinch-hit for Sung-Mun Song, hit a two-run homer in the eighth inning.
In all, 69 of the Padres’ 162 runs have been scored after the sixth inning. That is the second most in the major leagues.
They are batting .283 after the sixth inning in games in which they are leading by a run, tied or at least have the tying run on deck. That compares to a .227 batting average in all other situations.
Their formula for Wednesday did vary on the pitching side.
The Padres began the game with an opener for the first time this season, and it worked magnificently.
Bradgley Rodriguez retired the Giants in order in the first inning. Matt Waldron took over and allowed one run on two hits while striking out seven batters in his five innings.
Adrian Morejón began the seventh and allowed one hit over the next two innings before Mason Miller worked a 1-2-3 ninth.
A solo home run for each side — Gavin Sheets into the bay in the fourth inning; Rafael Devers the other way and just over the wall in left field in the fifth — had the game tied 1-1 when France came to bat.
Giants’ starting pitcher Adrian Houser had allowed three hits and walked one while throwing just 73 pitches through six innings.
He appeared to get the first out of the seventh when Fernando Tatis Jr. grounded a ball toward third base, but Matt Chapman had the ball go off his glove and into left field.
With that, Giants manager Tony Vitello went to reliever Keaton Winn, who began his day by walking Ramón Laureano before retiring Nick Castellanos and Freddy Fermin.
With the left-handed-hitting Song due up, Vitello made another change, bringing in left-hander Matt Gage.
The Padres, meanwhile, were trying to figure out how to handle their substitutions, given that France was serving as the backup catcher with Luis Campusano unavailable after fouling a ball off his toe Tuesday, shortstop Xander Bogaerts was getting a day off and various other players not working at their usual positions.
When Gage completed his warm-up pitches quicker than Stammen anticipated, Song walked to the plate and got in the box before France emerged from the dugout.
Home plate umpire Tripp Gibson assessed the Padres a pitch clock violation, and France faced an 0-1 count.
After fouling off successive 2-2 pitches, he watched a ball in the dirt and then went the other way with a fastball left up and in.
“Luckily, Ty is such a pro,” Stammen said, “he went out there and did his job and it worked out for us.”
It has not always. But it has an inordinate amount of the time.
Because that is who the Padres are.
San Diego, CA
Surveillance photos released of suspect who allegedly attacked girl in Poway
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San Diego, CA
San Diego NASCAR race to be held on ‘Qualcomm Circuit’
Qualcomm has the naming rights as the official circuit partner of NASCAR’s San Diego race on June 19-21, the company said Monday. The 16-turn, 3.4-mile circuit will be the first race to ever take place on an active military base.
Qualcomm joins startup defense contractor Anduril as the other major sponsor of the weekend, with Anduril serving as the title sponsor of the event.
Qualcomm’s commitment to the Coronado race is emblematic. The company has a strong legacy in naval R&D and exponential growth in its automotive business – in the first few months of 2026, Qualcomm’s self-driving car technology has grossed almost $2.5 billion in revenue.
“Qualcomm is synonymous with innovation, and there could not be a more fitting partner to put its name on this groundbreaking circuit,” said Amy Lupo, President of NASCAR San Diego. “The Qualcomm Circuit represents the future of motorsports.”
Qualcomm plans to deploy intelligent computing and advanced connectivity “to elevate the fan experience and team performance throughout NASCAR San Diego Weekend,” the company said in a press release.
Construction of the Qualcomm Circuit begins in late May and will not interfere with day-to-day operations on the military base, said Matt Humphrey, NASCAR’s senior director of track communications.
“Qualcomm Circuit represents the perfect intersection of breakthrough innovation, high-performance competition, and deep community pride,” said Don McGuire, chief marketing officer at Qualcomm. “We’re honored to be part of this groundbreaking venue and bring this historic moment to our hometown.”
Qualcomm did not provide financial details about its naming rights deal.
More details about the event are available on the NASCAR San Diego Weekend website.
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