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
Marne Royce Hadden – San Diego Union-Tribune
Marne Royce Hadden
OBITUARY
Marne Royce Hadden died in hospice on December 8, 2025 after a brave battle with cancer. She was predeceased by her parents and brother, Alex, and is survived by four siblings.
She was born on November 4, 1951 at Huntington Memorial in Pasadena, California, the fourth child of Wesley and Dorothy Hadden. Until she was seven, Marne lived with her family at the Huntington Hotel in Pasadena where her maternal grandfather, Stephen W. Royce, was the owner and managing director, and her father, the assistant sales manager. In the summer of 1958, the Hadden family moved to Rancho Santa Fe to run the Royce family’s recently acquired Inn at Rancho Santa Fe.
The Ranch in the early ’60s – a tranquil village with a market, library, hardware store, and gift shops – was magical for most children, but even more so for Marne who had the run of the Inn’s beautiful grounds, attended the local school, kept chickens and baby quail as pets, and learned to ride. She soon became an accomplished equestrienne competing in horse shows around the state with her trusty steed, Rocky Neil, and collecting scores of blue ribbons across multiple events from western bareback to stock horse equitation. At The Bishop’s School in La Jolla, Marne was a popular student athlete and captain of the Royal Purples in her senior year. She graduated with the class of 1969 and went on to Pine Manor Junior College in Brookline, Massachusetts, where she made the honor list in the winter term of her freshman year.
Tragically, Marne suffered a scuba diving accident in the late summer of 1970 that left her disabled for the rest of her life. Diminished but ever resilient and surrounded, supported, and cared for by family and friends, Marne persevered in her inimitable style. She found childlike joy in everything she did from baking cookies, coloring, playing dominoes to weekly visits to the San Diego Zoo and Wild Animal Park with Suzanne Keil, her dear friend and constant companion. Marne was also lovingly cared for by her caregiver, Linda Tate the last 10 years of her life.
For years, Marne proudly led her pygmy goats, Friday and Harbor, in the 4th of July parade and rode her large tricycle to the Helen Woodward Animal Center where she volunteered and participated in the handicapped riding program, often stopping by the Chino Farm on her way home for the watermelons she loved and the corn they cooked for her.
In recent years, Marne loved visits to the beach and programs at the Rancho Santa Fe Senior Center, across the street from the lovely home she was raised and lived in for nearly 70 years.
In lieu of flowers, the family suggests donations to the Hellen Woodward Animal Center. A private memorial service will be held at a later time.
San Diego, CA
Christmas Day services, community events scheduled across San Diego County
Despite stormy weather, San Diego County residents will still have plenty of opportunities to celebrate Christmas in festive and spiritual ways.
From worship services to community meals and holiday celebrations, organizations across the region are opening their doors.
Scheduled Christmas Day religious services include:
— Church of the Resurrection, 1445 Conway Drive, Escondido: Mass at 8 a.m. and 10 a.m. in English, and at noon in Spanish;
— St. Thomas More Catholic Church, 1450 S. Melrose Drive, Oceanside: Mass at 9:30 a.m.;
— St. Michael’s by-the-Sea Episcopal Church, 2775 Carlsbad Blvd., Carlsbad: Mass beginning at 9:30 a.m.;
— St. Andrew’s Episcopal Church, 890 Balour Drive, Encinitas: Christmas worship service at 9:30 a.m.; and
— St. Peter’s Episcopal Church, 334 14th St., Del Mar: Christmas service at 10 a.m.
Elsewhere in San Diego County:
— Beginning at 8 a.m., the eighth annual Shane Harris Community Christmas Day breakfast and gift giveaway will be held at Columbus Hall, 4425 Home Ave. Held to benefit for foster families, unsheltered youth and struggling families, the event will include two wrapped gifts, free breakfast for families and 15 tons of snow; and
— At 11 a.m., Serving Seniors will host a holiday dinner featuring entertainment, for older adults at the Gary and Mary West Senior Wellness Center. John Conroy, a Serving Seniors client who was formerly homeless, will play piano, and others will also receive holiday gift bags with practical items.
In a statement, Harris said the holiday breakfast event exists because “Christmas morning can be incredibly lonely for families facing hardship.”
“This is about creating a home, a table, and a moment of joy for families who need it most,” he said. “Seeing this grow into a citywide tradition has been incredibly humbling.”
Meanwhile, administrative offices and some city of San Diego facilities will see limited closures on Christmas Eve, with most facilities closed on Christmas Day. All city administrative offices will be closed Thursday.
Police and Fire-Rescue services will operate on normal schedules. County animal shelters, family resource centers, health clinics, libraries and public offices will be closed Thursday, but law enforcement and emergency animal control services will continue operating.
County campgrounds and parks will remain open on the holiday. However, the following community facilities will be closed: Adams Park Pool; community centers in Fallbrook, Lakeside, Spring Valley and teen community centers; the 4S Ranch Recreation Office; Spring Valley Gymnasium; and Valley Center Community Hall.
On Christmas Day, the Metropolitan Transit System will offer free rides, as part of a promotion.
“Every fare-paying adult passenger can bring one guest along at no additional cost,” MTS officials said in a statement.
According to MTS, on Thursday:
— All trolley lines will operate every 30 minutes, while most bus routes will operate on a Sunday schedule;
— No service will be available on Rapid Express Routes 280 or 290, and Rural Routes 888, 891, 892 and 894;
— MTS Access subscription passengers needing service must call ahead of time to arrange their transportation; and
— Holiday travelers may use direct connections to San Diego International Airport, via Route 992 adjacent to Santa Fe Depot or the San Diego Airport Flyer from the Old Town Transit Center.
San Diego, CA
Sex trafficking sting in San Diego County leads to 10 arrests, 19 victims found
An anti-sex trafficking operation carried out by law enforcement agencies in San Diego, Chula Vista and National City earlier this month resulted in 10 arrests and the recovery of 19 alleged trafficking victims, it was announced Tuesday.
Operation Home for the Holidays was conducted over a three-day period and involved undercover officers posing as sex buyers in order to encounter potential traffickers and trafficking victims.
Those arrested during the operation include four men charged with pimping, pandering and violating a protective order, who face anywhere between six and 20 years in prison if convicted, according to the San Diego County District Attorney’s Office. Six others were issued misdemeanor citations for allegedly attempting to purchase sex.
The 19 recovered individuals were offered support services, which the DA’s Office said will “help them escape and heal from exploitation and human trafficking.”
Operation Home for the Holidays is an annual initiative conducted by the multi-agency San Diego Human Trafficking Task Force, which includes local, state and federal law enforcement agencies.
California Attorney General Rob Bonta said in a statement that the operation “is a key part of our efforts to keep our communities safe for the holidays and all year round.”
Similar operations are conducted throughout the year in San Diego County, including an annual operation held during Comic-Con weekend that resulted in 13 arrests and 10 victims recovered this year, and an operation conducted last month in National City and southern San Diego that led to the rescues of two minors.
“The ugly truth is that sex trafficking remains a lucrative criminal industry fueled by demand that generating over $810 million a year in San Diego County,” San Diego County District Attorney Summer Stephan said.
“I’m proud of our work with the San Diego Regional Human Trafficking Task Force, my office’s Sex Crimes and Human Trafficking Division and all our partners that work around the clock to recover victims as young as 12. Together they hold human traffickers and criminal buyers accountable for their crimes. The ongoing efforts of the task force demonstrate that law enforcement will not tolerate this modern-day slavery of vulnerable victims who are bought and sold like a slice of pizza.”
Officials asked that anyone who is or knows someone being coerced or forced to engage in sexual activity or labor call the National Human Trafficking Hotline at 1-888-373-7888 to access help.
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