My husband and I were looking to purchase a house in Mountain Home, Arkansas. 

The other lot is empty with terraced gardens and has mountain views. 

Look into areas like San Mateo, Redwood City, Mountain View, Sunnyvale, Santa Clara, and San Jose.

I have a long-term rental in STN MTN (Stone Mountain) GA, and have a one year lease with a section 8 tenant and content with the cash flow, however, I can make more if the basement gets converted to a separate unit.

As far as a specific bank recommendation,  it looks like Mountain America Credit Union has a couple of branches in the surrounding area and I personally like them.  

Stunning nature with the Pacific ocean and gigantic Santa Monica Mountain Range out the door with year round near perfect weather.Close to everything from Malibu to Calabassas, Ojai, Santa Barbara etc and within the same 45 min to 1 hour distance ( traffic depending) to 3 commercial airports, namely LAX, BUR, SBA.The university, USCCI is the only one of its kind growing in leaps and bounds while general enrollment numbers are in decline everywhere else along the CA coast.

Their STR ordinance only allows STR in mountain and desert areas and does not allow it in MFR structures at all.

I am  much further west, more toward the mountains in a smaller community with very little competition to fear.  

Surrounded by mountains in a valley that naturally constricts growth there will continue to be a shortage of housing.

yes folks that live in the mountains are usually retired from silicon valley