It has a vibrant demographic, that are into recreation, fitness, etc. 

Wall Street Journal: DFW Housing Market Cooling November 27, 2018PLANO (Wall Street Journal) – "Dallas' once-vibrant housing market is sputtering," reports today's edition of the Wall Street Journal.

The midtown section has a lot of craft restaurants, breweries, and vibrant arts scene. 

This seems like an unfortunate set of circumstances (act of God) that has led to late rent, not a tenant who is habitually late and that you fear will start making a habit of this.

It might not be as glamorous as Dallas but you can't take glamour to the bank, There are some Midwest markets with strong, vibrant and modern economies.

What is problematic is at what point do people just consider that having an operation in other vibrant communities saves huge amounts of money for the business and results in a better quality of life (least in terms of housing and outside costs like schooling)?

I do take exceptions to this rule depending on how long they have rented and if they are habitually late.

As others have said there is a vibrant and extensive network of Bay Area investors to tap into.Good to see you getting back up and into the game after taking a fall.Cheers,Jeff

Here in Hawaii, the real estate market is a bit more vibrant than in the rest of the country thanks to a few unique features (warm weather, idyllic tropical setting, extremely low crime rates, etc.), so demand is consistently higher than in most other places.

In regards to a little of this hyper confusion, HUD responded with clarification to the rule: "An individual required to be licensed under the SAFE Act is an individual who is engaged in the ‘‘business of a loan originator’’; that is, an individual who acts as a residential mortgage loan originator with respect to financing that is provided in a commercial context and with some degree of habitualness or repetition."