(b)An owner may satisfy the written disclosure requirement described in Subsection (3)(a)(i) through a rental application, deposit agreement, or written summary.(4)(a)A prospective renter may make a written demand to the owner of a residential rental unit requesting the return of money the prospective renter paid in relation to the rental of the residential rental unit, if:(i)(A)an amount the owner provides in the good-faith estimate described in Subsection (3) is different than the amount in the rental agreement; or(B)the rental agreement includes a type of use-based, non-rent expense that was not disclosed under Subsection (3); and(ii)the prospective renter:(A)makes the written demand within five business days after the day on which the prospective renter receives the rental agreement; and(B)at the time the prospective renter makes the written demand, has not signed the rental agreement or taken possession of the residential rental unit.

The other thing to consider is if it would be easy for the HOA to change the governing documents so that even if you can STR it now, can they ban them with a CC&R amendment?

I just googled Capital One 360 and what I found says they limit a person to only 3 checking accounts which isn't near enough for using profit first.https://www.capitalone.com/ban...

Some don't have rules, but could ban or restrict at any moment so difficult to understand the risk involved.I know I sound negative, because, well, its negative right now!

My sources are still , for now, free speech (until they are deleted or banned )

Wanted to, but I was afraid I would get banned from BP if I said everything I wanted to say.Looking back, what I should have said was this:"If you couldn't afford to buy the property, and the landlord didn't buy it and rent it to you, where would you live?...

Yes, lots of places put major restrictions on solar, but that is also the case in general for much of real estate... like STR bans and restrictive zoning laws. 

I wasted 3+ weeks banning animals when i put my very nice remodeled SFR up for rent. 72% of applicants disqualified when i asked if they had animals.

.: It can be an eyesore, but a lot of renters will look right past it.As your friend said, I would expect California to ban them in the future and then the property value will be even greater. 

While even I expected COVID to create a huge drop when it happened, the rentals I manage turned around and beat previous years even with a 45-day ban here on the island.