And I’m about a mile from the ocean which is still close enough to surf frequently. 

This is a great question, and I admit I hadn't really thought of real estate like this, even though people frequently talk about appropriate strategies for stocks and bonds as you age.

Commercial loans reset more frequently anyway. 

I work in both the Dallas and Austin markets frequently!

FWIW I leave the power off in Tahoe frequently and pipes don't freeze.

I frequent the AVL Meetup meetings.  

If you find that you are buying and/or selling frequently you may find that it is useful to become licensed in order to access the MLS directly and to arrange viewings of properties more easily.

Fannie Mae "Second Home" financing, 90% LTV, for the place where you frequently travel for work.

If you frequently invest in this area, then you might just want to allot a little more than you have for that expense in your rehab in the future - and just make sure the numbers work for future investments, and not worry about it anymore.

That being said, I frequently look for property in the Freeport/Brunswick/Harpswell area.....actually anything around Casco Bay.