Santa Ynez Valley Real Estate Strategies & Solutions
One team for buying, selling, financing, and smart property due diligence.
Serving Solvang, Los Olivos, Santa Ynez, and the entire Central Coast.
Offer strategy informed by property, financing, and market risk
Clear guidance navigating pricing, negotiations, and timelines






Aligning financing decisions with long-term ownership goals
Experience Changed Our Perspective
โLike many of our friends and buyers relocating here from across the globe, we initially approached real estate as a sequence of steps. Find the property. Secure financing. Move forward.
Our experience changed that view.
We saw how early assumptions quietly narrowed options. How financing chosen too late weakened otherwise strong offers. How small timing decisions affected negotiations, inspections, and appraisals.
We watched good deals become stressful not because of the property, but because strategy and execution were misaligned.
Those lessons reshaped how we work.โ
Cris Lapp, Founder
Our Passion
Strategy first, tactics second
Offers built to win without overexposure
Financing selected to support leverage and flexibility
Clear-eyed advice when decisions get uncomfortable
Professional management from first call to close


Stay Informed
Updates on local real estate insights
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Melissa Krantz
Property Consultant & Strategy
Buying, Selling, Relocation - DRE 02364218
๐ 805 697 1337
โ๏ธ melissa@blackoakhm.com
Dan Ferguson
Investor Consultant
Flips, Value Add, ROI Analysis - DRE 02305088
๐ 805 538 6044
Cristopher Lapp
Founder and Managing Broker
Real Estate Broker - DRE 01093529 Mortgage Broker - NMLS 337660
๐ 805 538 6044
โ๏ธ cris@blackoaklc.com
ยฉ 2026. All rights reserved. Black Oak Homes & Mortgages.
