Some of the more family friendly/ affluent areas would be the north Atlanta suburbs of Cobb County / Forsyth County such as Marietta, Kennesaw, Johns Creek, Sandy Springs, Cumming etc.

We have homeowners insurance that covers personal injury on all our properties including our primary residence and our own personal vacation home.As far as Oceanside, CA is concerned they are welcoming VR's with open arms as they have been undergone extreme gentrification for the past 20 years and are now in the throes of building and billing Oceanside as a "destination tourist and vacation & resort community" what with all the hotels, timeshares and myriad condo, townhouse, row houses (which is what we currently own and VRBO and Air B&B's along with the great surfing, beautiful and accessible sandy beaches, hiking, biking, walking trails, wonderful eateries, boutiques, shops, etc.

It seems like a family with everyone having an interest in your success.Im curious if anyone in the Portland Oregon area has any advice or thoughts on my below situation.I owe two congruent properties(2 early 1900 homes with a lot of character and in very good condition) both in CS zoned areas and located in the hot Hollywood district right on sandy blvd.

I appreciate any advice that you can give.Thank you,Sandy

Our agent that dealt directly with those loans is Ross Zimmerman out of the Sandy, Ut office.  

., Sandy UT.  

Once you locate land, there's engineering that needs to be done (civil, soils, electrical, environmental, structural, etc.) environmental issues may need to be addressed, availability of utilities and proximity to parcel, cost of grading, installing utilities, paving, sidewalks, parcel maps or possibly subdivision map.

Insurance  wind and hailas long as one takes these factors into account with your capex and long term ownership and buys accordingly you get real numbers were I see out of state folks get a little sideways is they don't understand expansive soils.. and they buy when the house has owner exemption only to have their tax's about double on them next year.  

We are currently house-hacking out in Sandy since the beginning of this month.

The assessment may include a civil engineer looking at the feasibility to gravity feed sewer or need for grinder pumps or a more costly pump station, assessing soil types for building suitability, wetland restrictions or conservation area requirements that may affect the buildable area, assessing zoning and municipality temperament for zoning changes, and maybe at an additional cost a soil test for onsite septic if sewer proves to be unavailable or too costly.