Thank you all for the useful info.
Tguy, you are the expert in that area. Sorry to hear your bad rental experience, paramount. I am worrying about that part, too.

It seems that price near south of Temecula has gone up a bit already. How about Murrieta hot spring and west of 15 Murrieta area? Tguy, any suggestion about that area? I am thinking to get something below 200k, condo or house and rent it out first, then later I might retire there or sell it when price it up.

SDR, I like your idea: get the loan at low interest rate and save the cash for other investment later or pay it off later.
thanks again for your time!