Flexible financing for Ocean Beach homeowners. $100K–$500K. No appraisal required.
Ocean Beach is San Diego's quintessential bohemian coastal village, where the laid-back surf culture meets eclectic neighborhoods of small beach cottages, mid-century homes, and newer infill projects. Anchored by the iconic Ocean Beach Pier and the legendary Dog Beach—where off-leash pups have run free for decades—this community attracts longtime residents, young families, and remote workers drawn to its walkable streets, vintage shops, and proximity to the Pacific. The median home value sits around $1.2 million, though older beach cottages and smaller properties offer entry points for first-time coastal buyers.
The neighborhood's character is shaped by tight-knit residential blocks west of Sunset Cliffs Boulevard, where original bungalows from the 1920s and 1930s stand alongside 1970s beach homes and modern reconstructions. The village center along Newport Avenue buzzes with surf shops, coffee roasters, vintage bookstores, and casual eateries that capture the area's independent spirit. Homeowners here often find themselves managing multiple renovation projects—foundation repairs on older cottages, updating aging electrical systems, or financing secondary income-producing properties like vacation rentals and ADUs.
Real estate transactions in Ocean Beach move quickly when properties come on the market, but financing remains complex. Traditional banks hesitate to lend on older structures with limited comps, and appraisals often come in lower than expected on coastal properties with needed repairs. Second trust deeds solve this problem by allowing homeowners to tap their existing equity without lengthy appraisals or strict qualification hurdles.
Older beach cottages require constant maintenance. A 2nd trust deed provides quick capital for roof repairs, foundation work, plumbing upgrades, and saltwater-damage remediation—without waiting for appraisals that often undervalue coastal properties.
Many Ocean Beach homeowners locked in sub-3% rates during 2020–2021. A 2nd trust deed lets them access equity without refinancing the first mortgage and losing that favorable rate.
Tight lots and zoning allow small ADUs or garage conversions. Owners finance these projects with a 2nd trust deed to create long-term rental income without disrupting primary financing.
Ocean Beach residents often need funds for family situations, business opportunities, or estate planning. We close in 7–14 days with zero appraisal delays.
Founded and run by Erik Egelko, a veteran commercial real estate investor with $150M+ in transactions across San Diego County, EZ Loans understands coastal properties and the unique financing challenges they present. We specialize in second trust deeds for exactly the homeowners Ocean Beach attracts—experienced, equity-rich property owners who value speed, transparency, and no bureaucratic nonsense.
We underwrite based on equity and property market trends, not rigid appraisal values. Ocean Beach homes close faster without the low-ball appraisal problem.
Erik personally reviews every deal. No loan committee, no underwriter delays. One call, one conversation, one clear answer—yes or no.
No wire delays or banking complications. You get your money in hand the day we close. Many Ocean Beach deals happen on our signature—Erik Egelko's personal guarantee.
No origination points, no processing fees, no appraisal charges, no hidden costs. Just a straightforward 2nd trust deed with clear terms.
We structure deals around your timeline and needs. Whether you're funding a 3-month renovation or planning a 5-year hold, we work with you.
We've financed dozens of Ocean Beach deals. We understand foundation issues, salt-air maintenance, rental income regulations, and ADU zoning in this specific community.
Speak directly with Erik Egelko. No application fees, no commitments. Just a straightforward conversation about your equity and your timeline.