I've got a 3 bed / 3.5 bath condo in a popular beach town in San Diego.  

The property is a 4plex in San Francisco, one unit occupied with a protected tenant.  

I own two SF rentals in San Antonio, Texas and before I buy a third one, as per the popular suggestion, I wanted to move both homes in to an LLC for asset protection and minimizing personal liability.

Can't say the same for the condo rental market in San Francisco.With that said, the amazing thing about San Francisco, in one of the highest cost living areas of the country, is that it continues to buck the trend with surveys showing a rent payment of over 95% which is far higher than the national average of between 80-85%.

I have some familiarity with the San Diego ADU market but have not added an ADU yet (but my protégé did a slow flip of ADU that did not work out great).Assuming you can find a good BRRRR property, my vote is for the BRRRR. 

He showed me a 2 BR 1 BA house in Beacon Hill, San Antonio.

Investment Info:
Large multi-family (5+ units) commercial investment investment in Saint Rose.

Purchase price: $1,150,000

Cash invested: $345,000

Sourced this 6-unit property off-market for a clien...

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 likely to be higher, then you may consider an umbrella insurance policy.

If that's not soon enough, like @Issac San Miguel mentioned temporary financing will have to come into play.

The City of San Antonio is in Bexar County.