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.

Published

1 year ago

December 18, 2024

My wife and I used our military benefits to buy a M 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.

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San Diego, CA

Padres roster review: Miguel Andujar

Published

11 hours ago

March 11, 2026

Press Room

Padres roster review: Miguel Andujar – San Diego Union-Tribune

MIGUEL ANDUJAR

Position(s): Third base, left field, first base
Bats / Throws: Right / Right
2026 opening day age: 31
Height / Weight: 6-foot / 211 pounds
How acquired: Signed as a free agent in February 2026
Contract status: Will make $1.5 million in 2026, with the opportunity to earn another $2 million-plus in performance bonuses; his $4 million guarantee includes a $2.5 million buyout against an $8 million mutual option for 2027.
fWAR in 2025: 1.1
Key 2025 stats: .318 AVG, .352 OBP, .470 SLG, 10 HRs, 44 RBIs, 36 runs, 17 walks, 49 strikeouts, 1 steal (94 games, 341 plate appearances)

STAT TO NOTE

.986 — Andujar’s OPS against left-handed pitching in 2025, the second-highest mark of his career and well above his career .807 OPS against southpaws. Andujar had been below .600 in 2021 and 2022 before jumping to .871 in 2023 and a career-high .995 in 2024.

Up — Signed for $700,000 out of the Dominican Republic as a 16-year-old in the international amateur market, Andujar needed two years to get out of the Yankees’ rookie-ball affiliate in the Gulf Coast League and finally cracked top-100 lists ahead of the 2018 season — No. 59 at Baseball America and No. 65 at MLB.com — after reaching Triple-A following a 16-homer season (.850 OPS). Andujar even made his MLB debut as a 22-year-old in 2017 and looked like he’d be a big part of the Yankees’ future after pairing 27 homers and 92 RBIs with an .855 OPS in finishing second to Shohei Ohtani in AL Rookie of the Year voting in 2018. But a right shoulder labrum tear derailed Andujar in 2019 and Andujar was never able to grab a starting job again in New York. The Pirates claimed him late in 2022 and then the Athletics claimed him after the 2023 season. By then, he’d developed into a platoon player with defensive limitations. Andujar had a .697 OPS in 75 games in his first year with the Athletics and a .765 OPS in 60 games last year when, after missing time with a right oblique strain, he was shipped to the Reds for a minor league pitcher. Andujar went on to hit .359/.400/.544 with four homers and 17 RBIs in 34 games to help the Reds lock up a wild-card spot. He was 0-for-4 with a walk and a strikeout in the NL Wild Card Series sweep at the hands of the Dodgers.

Miguel Andujar #41 of the San Diego Padres participates in drills during spring training workouts at the Peoria Sports Complex on Thursday, Feb. 12, 2026 in Peoria, Ariz.(Meg McLaughlin / The San Diego Union-Tribune)

2026 OUTLOOK

The need for right-handed balance in the lineup was painfully obvious in the Padres’ NL Wild Card Series loss to the Cubs, so Andujar became a target after 1B/OF Ryan O’Hearn walked as a free agent. Expect Andujar to get at-bats against lefties as either a DH, first base, third base or left field — the spots he’s been playing in spring training.

ROSTER RANKINGS

1. OF Fernando Tatis Jr.
2. 3B Manny Machado
3. OF Jackson Merrill
4. RHP Nick Pivetta
5. RHP Michael King
6. RHP Mason Miller
7. OF Ramón Laureano
8. SS Xander Bogaerts
9. LHP Adrián Morejón
10. RHP Jeremiah Estrada
11. RHP Jason Adam
12. 2B Jake Cronenworth
13. RHP Joe Musgrove
14. RHP Randy Vásquez
15. INF Miguel Andujar
16. OF Gavin Sheets
17. LHP JP Sears
18. RHP Yu Darvish
19. RHP Bradgley Rodriguez
20. RHP David Morgan
21. C Freddy Fermin
22. LHP Wandy Peralta
23. C Luis Campusano
24. LHP Yuki Matsui
25. INF Sung-Mun Song
26. RHP German Marquez
27. RHP Matt Waldron
28. OF Bryce Johnson
29. OF/1B Nick Castellanos
30. RHP Ron Marinaccio
31. RHP Bryan Hoeing
32. LHP Kyle Hart
33. INF Will Wagner
34. RHP Garrett Hawkins
35. RHP Miguel Mendez
36. RHP Daison Acosta
37. RHP Ty Adcock
38. RHP Alek Jacob
39. INF Mason McCoy

Removed from 40-man roster

OF Tirso Ornelas (designated for assignment)
RHP Jhony Brito (60-day injured list)

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San Diego, CA

San Diego Bishop Is Out of a Job

Published

23 hours ago

March 10, 2026

Press Room

Pope Leo XIV has accepted the resignation of the Chaldean Catholic bishop of San Diego, California, a decision announced Tuesday by the Vatican after the bishop was arrested on embezzlement charges. The San Diego County Sheriff’s Office said last week it had arrested Bishop Emmanuel Shaleta on Thursday at San Diego International Airport as he tried to leave the country, reports the AP. The office said it acted after someone from Shaleta’s church provided a statement and documentation “showing potential embezzlement from the church.” Shaleta was being held on $125,000 bail on eight counts of embezzlement, money laundering, and aggravated white collar crime, the statement said. Shaleta pleaded not guilty on Monday, reports NBC San Diego.

“He was on his way to Germany,” prosecutor Joel Madero said. “Given his access to funds, the fact that he had over $9,000 in the bag when he was stopped, and the fact that he has these international ties … I do believe that some bail to ensure he shows up is appropriate.” There was no immediate reply to an email sent to Shaleta’s parish, St. Peter Chaldean Church, seeking comment and contact information for his attorney. The Vatican said in its daily bulletin Tuesday that Leo had accepted Shaleta’s resignation under the code of canon law for eastern rite churches that allows for the pope to agree if a bishop asks to step down.

Leo actually accepted the resignation when Shaleta presented it in February, but an announcement was not made until Tuesday, according to the Vatican embassy in Washington. The Holy See appears to have waited to announce the decision to avoid interfering with the police investigation. Leo named Bishop Saad Hanna Sirop as a temporary administrator. Shaleta, 69, was ordained a priest of the Chaldean Catholic Church in Detroit in 1984. He was named to the San Diego branch of the eastern rite Catholic Church in the US in 2017.

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San Diego, CA

Padres roster review: Germán Márquez

Published

1 day ago

March 10, 2026

Press Room

Padres roster review: Germán Márquez – San Diego Union-Tribune

GERMÁN MÁRQUEZ

Position(s): Right-handed pitcher
Bats / Throws: Right / Right
2026 opening day age: 31
Height / Weight: 6-foot-1 / 230 pounds
How acquired: Signed as a free agent in February 2026
Contract status: Will make $1 million in 2026 with a $750,000 buyout on a mutual option for 2027; can add up to $3.25 million in performance bonuses.
fWAR in 2025: 0.3
Key 2025 stats: 3-16, 6.70 ERA, 83 strikeouts, 48 walks, 1.71 WHIP, .317 opponent average, 126⅓ innings (26 starts)

STAT TO NOTE

36.9 — The percentage of groundballs that Márquez yielded in 2025, a career low and significantly below his career average (48%). Márquez’s groundball rate was regularly above 50% before requiring Tommy John surgery in early 2023. He made one start in 2024 and struggled mightily while making 26 starts last year.

Down — Márquez had a 4.40 ERA through his first seven years in the majors, not bad considering he pitched roughly half his games at one of the best hitting environments in the majors. In fact, Márquez has a 5.17 ERA in his career at Coors Field and a 4.22 ERA in road environments. But Márquez underwent Tommy John surgery early in 2023, made one start in the majors in mid-July in 2024 (4 IP, 3 ER) and struggled throughout his first full year back in the Rockies rotation. The season was so difficult for Márquez that he was actually worse on the road (7.32 ERA) than he was in 11 starts at Coors Field (5.98 ERA). His strikeout rate (5.9 per nine innings) and strikeout-to-walk ratio (1.73) were the worst of his careers, as was his walk rate (3.4 per nine innings), while his hit rate (12.0 per nine innings) was the second worst of his career. On top of that, Márquez’s groundball rate was also the lowest of his career (see stat to note) and ranked in the bottom 22nd percentile of the league and his hard-hit rate (48.5%) and average exit velocity (91.7 mph) both ranked in the bottom 2 percentile of the league. One reason: a 94.8 mph four-seamer is down a few ticks than the height of his effectiveness. Márquez reached free agency after the season and signed with the Padres in February.

2026 OUTLOOK

Márquez has a big-league deal with the Padres, but he’ll have to rediscover his pre-elbow-reconstruction form to hold onto a roster spot, as RHP Griffin Canning (Achilles) is expected to push for a spot at some point this season and the likes of LHP JP Sears, RHP Matt Waldron and minor league signees like Marco Gonzales could warrant looks if Márquez’s struggles continue into 2026.

German Marquez #33 of the San Diego Padres participates in drills during spring training workouts at the Peoria Sports Complex on Monday, Feb. 16, 2026 in Peoria, Ariz.(Meg McLaughlin / The San Diego Union-Tribune)