@Isaiah Ortiz-HoyleThe city of San Diego, has actually passed code this year which would decimate anyone who has multiple STRs in the city, via a “1 per owner” condition, limited number of permits insufficient to cover the existing STRs, a lottery system, etc.

If you are under market at U %, and the market rates are increasing by M (in %/year as a decimal), and you want to be at market parity in (Y) years, you can figure your desired annual rate increase (R) using this formula:  R=-1+(((100/U)^(1/Y))*(1+M))        I'll leave it to you to check the derivation from your starting point (A=P*((1+(r/n))^(t*n)) where t is in years, n is the compounding frequency in years, r is the rate, P is the initial and A is the final values. 

This regulation has decimated my community and has caused hundreds of home owners to drop their keys off at the bank and walk away from their homes.

It has gone through some huge hits the last few years, and was decimated in the housing crash... and is still recovering.

Your payment likely won’t be that delayed but this won’t get better anytime soon.Unfortunately travel is decimated and will not he recovering to pre-pandemic levels for several years

Sounds like that heloc will decimate your cashflow! 

When you take a lower income city and close the hospital and decimate the police and fire, it normally doesn't go well.

Folks, as climate change decimates wildlife, what city do you think will emerge as winners for real estate investors?

I really think you misplaced decimal points.  

The city simply has an overabundance of hotels and the population decline and on base housing has decimated both the hospitality and residential rental business.I think there might be something here, no risk no reward.