good lord, do USD if you want san diego and your parents will buy you a house! usd, from what i've heard, has a pretty strong reputation in san diego. pepperdine is competing with plenty of LA schools plus people trying to crack the CA market (so is san diego, but more people tend to focus on LA since the market's bigger).
i would for sure take USD in this situation. will your parents help you with tuition? your living costs will definitely be lower if they get you a house...