I have property in San Diego 4 houses from the beach but at the same elevation as those closest to the beach.  

I see you live in San Anotinio as well, do you have any recommendation for condo inspection ?

For you US people to get what I'm talking about: Oslo is more like San Francisco or Bay Area, with more money, better climate and quality of life, while Bergen is more like Phoenix (just replace the crazy heat of Phoenix with rain every day all year round except from a couple of months during the summer).Rental yield will be a lot lower in Oslo and it would be more of a speculation on price appreciation, while Bergen would be more of a conservative bet with higher yields but prices appreciating a lot slower (Oslo: 15-20%, Bergen: 4%).The most practical would be to invest in Oslo where I live so I could get some economy of scale, but then I would lose the diversification bit and could potentially be really ****ed if the market turns too soon. 

Anyone from San Diego?

We're using one based out of San Pedro and she's helped us a lot in our process.

I wish to stay in this area due to the BAH rate (money I get from the VA to pay for housing) the San Francisco colleges enable me to have, and the cheaper cost of housing in Sacramento.  

Let me know if you need referrals for southern California or San Diego.

I have a detailed spreadsheet of about 110 properties in the San Gabriel Valley (Southern California) that I've built up over the past couple of years- unkempt homes I've noticed while driving (mostly in Alhambra, Pasadena, South Pasadena, San Marino, San Gabriel).

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.

I am in San Francisco Bay area.