Someone with no debt will have a different calculus than a person with high credit card debt, and so on.Ditto @Greg Scott, @Clancy Catelli, and @Thomas S., and @Ray Lai

Coastal CA (Bay Area, LA, San Diego) has land constraints and it's very difficult to build new and continues to have high demand, despite the 300,000+ people who have left CA.

We’re one ofthe few property managers that require W-2’s and a bank statement and we go way beyond the traditional, “income must =3x rent” qualifier.Below is more information about what our Applications Department does to screen applicants and find the best tenantspossible for your property.Required InfoWe require the following from each applicant over the age of 18, that is not a dependent of anotherapplicant (as evidenced on a tax return):Copy of acceptable state picture IDRecent YTD paystubRecent W-2Recent Bank Statement, all pages, no info blacked outRecent tax return if self-employedApplicants are often slow about turning this information in, asking us why we need it and then takingseveral days to submit.

I can build halfway to the population who is inthe Northend of town and I would hone in on 10's and 15's with some20's.

Do you draw any hard lines in the "Year Constructed" sand? 

There are very few places where you can still get anywhere near the 1% rule, and in Omaha you really don't have to look that hard to find those opportunities in droves.Not to get too into the weeds, but I have a thesis that the Midwest as a whole will begin to outperform the coastal and southernmost cities as time goes on-- primarily driven by increasing COL & decreasing QOL in said coastal urban cities. 

Welcome to U S and A !!

With that being said, if you're comfortable with a long term hold, San Diego and especially coastal, will always be attractive imo. 

Here in coastal NC our municipality had similar laws about STR within city limits, a couple sued the city and WON.

Yes, you can have a baselane account(s) and/or link to external banks.