• 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 [email protected].

• Dan Weiss, 79, earns up to $47 per hour on Taskrabbit assembling furniture in Minnesota.
• Weiss, a retired mortgage manager, joined Taskrabbit in 2021 for both the income and structure.
• He completes tasks almost daily, earning $3,000 to $5,000 monthly and supplementing his retirement.

This as-told-to essay is based on a conversation with Dan Weiss, a 79-year-old Tasker on Taskrabbit in Oakdale, Minnesota. It has been edited for length and clarity.

I joined Taskrabbit in 2021 and have completed nearly 1,200 tasks at around $47 per hour for my services in Ikea furniture and general furniture assembly in and around Minneapolis.

I have a bachelor's degree in business administration and management and two master's degrees. Before I retired in November 2014, I managed several residential mortgage branches for a major bank.

Retirement was fine initially, but I quickly realized I needed to add structure to my life. Now, I fill my days building furniture, meeting new people, and supplementing my retirement income.

Going from 100 MPH to zero was a very abrupt change for me

One can only do so much gardening and reading without feeling unfulfilled.

I stayed "retired" for about six months and then had to find something that gave me more enjoyment and provided additional income to avoid chipping away at all of my retirement savings, which I began saving for in my mid-40s.

Before Taskrabbit, my other part-time jobs included stints at Costco, customer service work, and driving for Uber and Lyft.

I read an article in my local newspaper about a young woman who had discovered Taskrabbit. It intrigued me, so I immediately went online to create a Tasker account and have them run a background check on me. That was completed in a matter of days, and I was ready to go.

I've now been Tasking for 3 years

I've always enjoyed assembling things, but there was a learning curve. Although I had previously worked with Ikea furniture, there was much to figure out about some of the "tricks" associated with Ikea products.

I made over $47,000 in 2023, my highest year in earnings yet. I average $3,000 to $5,000 in earnings monthly. I could live on my retirement savings if I had to, but Taskrabbit income helps.

I do tasks almost daily

I complete between one and three tasks daily, averaging about four to five days a week. Most of my tasks are no more than a half-hour away, but I spend a fair amount of time driving. I can expense the mileage and gas.

My time spent with clients is highly enjoyable. I meet people from all walks of life and find their stories interesting. I enjoy this aspect of tasking the most.

I've realized how fulfilling and also challenging retirement can be

The lack of structure and income flow in retirement is challenging. We're told to save, save, save for retirement, and that's what I did. When I made the change from saving to spending, I was mind-blown. It didn't feel comfortable or natural.

Taskrabbit has allowed me to continue to generate income while also providing structure and allowing me to maintain contact with a variety of people.

I've discovered the importance of superb reviews in growing my business

When I was young, there were no such things as digital reviews. Today, they're critical because everyone checks them before booking a service or going to a restaurant. I secure generally excellent reviews by doing the following steps:

• Always communicate openly with your client. Confirm the date and time and set expectations in advance.
• Arrive on time or slightly early. If you will be late, even by a few minutes, it's important to let them know.
• Upon arriving, be friendly and cordial. A handshake usually gets things off to a good start to establish a line of trust.
• Be efficient and ensure the task is completed properly and precisely. Having the correct tools is also mandatory for this aspect of the task.
• If there are problems such as missing or defective parts, let the client know as soon as possible and provide suggestions on how to remedy the problem so as not to add stress to their plate.
• Thank them for the work opportunity and share how they can save you as a favorite for future tasks, leave a review and, if they choose, tip you, which happens about 25-40% of the time. I'm very focused during the actual task, but if the client engages me in conversation or has questions, I stop and focus on them.

I expect to continue to task as long as the compensation is commensurate with the job

I will continue to do this as long as my body holds up.

Tasking has given me both fulfillment and help funding trips and vacations. My wife and I love Maui and intend to return soon.

I'm still in the planning phase of deciding on our next vacation destination. There are many other places that we wish to visit while we're still healthy and relatively mobile.

Are you a retiree with a side hustle who wants to share your story? Email Lauryn Haas at [email protected].