I want to semi retire in Rosarito Beach and start a small buisness, surf shop, espresso, and more?

Your best bet, then, will be to visit Rosarito and do some first-hand research. Hang out with the locals, get the lay of the land, find out what you're really up against.

The economy in RTO is very depressed at the moment. I've never seen the hotels in such a bad state. Property values aren't as depressed as the economy because Mexico *raises* its prices in a crisis. The ex-pat population is on the rise, however, so a small business directed at them has a chance of success.

You might want to reconsider your options, though. The market for coffee houses is saturated, Rosarito needs another one of those like the U.S. needs another war. Surfing in RTO? (¡Really?) You'd be better off down the road at Km55 or near Misión San Miguel Arcángel, even as far north as Primo Tapia.

The gringo paper for the area is the Baja Times, http://www.bajatimes.com/ , which is owned by RTO's biggest landowner and previous mayor. It will give you some idea of what is there. Read through that for a while and then block out a week or more to visit the place.

You can stay at the Hotel Don Luis nowadays for less than thirty dollars a night. North side of town, east side of Juárez. Doesn't look like much from the street but it's very folkloric inside and its bilingual manager can help orient you because she's been in the area for ages. The sports bar next door is a watering-hole for the local ex-pat community, also good for your research.

You'll need to go further south to research surfer-related businesses. You might hang out at the Half-Way House (Medio Camino), a restaurant and bar at Km50. The bartender speaks English as does Johnny (Ramón), the proprietor. Further along, on the coastal outskirts of La Misión, is a surfer hotel by the same name as well as the venerable La Fonda; avoid their neighbor Poco Cielo.