Also, to be clear, if you're paying for everything on your own, I don't believe there's a specific process you need to worry about anymore. Many of the referral requirements you'll hear about are in order to have insurance pay for a specific treatment or procedure.
In any event, a good first place to start is with a therapist who understands gender issues - and luckily, there are quite a few good ones here in SF to choose from. But the point of therapy, in my opinion, is to help you figure out what you need (not necessarily to get an official diagnosis, unless you need one for insurance).
I explain that for a couple of reasons. (1) You asked about a diagnosis. I don't really think you need an official diagnosis in order to transition. In fact, I'm preparing to start transition, and I've never officially been diagnosed by my therapist - although I'm sure she'd be happy to give me that diagnosis if I needed it for some reason. My doctor wants wants to be sure I know what I'm getting into, and she's glad I'm in therapy, but I've never been "diagnosed" by either my doctor or my therapist. That said, some doctors may require a diagnosis or a specific referral, but I understand there are a growing number of doctors here that are adopting the model that my doctor has.
(2) You asked about how long it would take. I think it depends. I was ready to transition after about four months in therapy, when I had a breakthrough and realized I was trans. My therapist didn't really diagnosis that, but she helped me find myself and come to that conclusion on my own. I think the best therapists are there to help you figure it out on your own. That's why it's hard to say how long that process would take.
I don't know if that made sense or not. But - yes - definitely start with a therapist if you have not been in therapy before, and go from there. I guess I just mainly wanted to clarify that there's much less official process that you would need to be concerned about here. You can get treatment as a non-resident - nobody will turn you away if you can pay. And, as long as you can pay, you should do the steps that make the most sense to you.
Erika
P.S. - welcome to Susan's (and separately, welcome to San Francisco!)