Because it requires hell lot more due diligence /analytics process than simply buying duplex in San Francisco -- with always more risk to LP and more reward/upside to the GP side in anyoutcomes.If we buy duplex in SF we know all the risk is with us. 

I grew up just north of San Francisco and decided to move out to Reno, NV to live and invest. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

But he's right I think, the FMV for the house is 1/3 of rebuilding cost.So I found:FMV in SF 3/1 San Jose 1200sqft    $1,200,000.

New investor here in San Francisco Bay Area, looking for local meet ups and getting connected with like-minded communities!

I’m curious, for others who own MTR in San Diego, how are they doing?

There is also a gentleman in San Antonio the San Antonio Residential Assisted Living group, and also a Zoom meeting (Denver Area Assisted Living - DAALR) for Assited Living Facilities/Residences on the last Wednesday of each month-except Sept and December currently, and these are recorded on the FB page for you to watch later.

I self-manage my 9 doors in Lansing MI from San Diego. 

Is there a "forum" for metro areas like San Francisco?

If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.