Two expensive coasts, two different loan mixes
Orange County is jumbo-heavy and intensely competitive on offers. San Diego adds a large VA population and more first-time inventory inland and in the South Bay. The financing strategy should match the county, not a generic California playbook.
Kevin works both markets plus Tahoe, so the conversation is about your file — credit, income, occupancy — mapped onto the local investor overlays, not a one-size pre-approval.