CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
We consent to the incorporation by reference in Registration Statement No. 333-217661 on Form S-3 of Owens Realty Mortgage, Inc. of our
report dated March 15, 2019 relating to the consolidated financial statements and effectiveness of internal control over financial reporting appearing in this Annual Report on Form 10-K of Owens Realty Mortgage, Inc. for the year ended December 31,
2018.
/s/ Crowe LLP
Sacramento, California
March 15, 2019