It's a stalemate due to affordability and either wages or prices give, I would bet the latter. 

Quote from @Brandon Foster: Hello Ryan,STR is do able in the north county area but there are a lot of rules and regulations.The city of Oceanside right now will not allow anything STR unless it’s west of pacific coast hwy.This is changing a lot too so you need to be aware of that in your plans.Carlsbad is super strict too but there are some condos that are still available to do STR in.Medium term rentals are as safer bet but way less profitable.

You could certainly reach this demographic, but it could also cost you substantially more than the return.For the money, your best bet is probably a dedicated website for your property with the key words that you want to convey.

There have been a few comments along the lines of "new homes aren't built with the same quality as old homes".

Sounds like their combined income likely beats your other tenants.Your gut is probably your best bet and you need to go with it. 

I’m not a betting man.

And what is your price point and are you looking for turn-key properties or something along the lines of a "fixer upper"?

Bank Credit Line How did you add value to the deal?

An experienced broker with lots of choices at the palm of their hand is probably the best bet.

You're best bet is to call a few brokers local to the area and see what they can come up with.It's definitely going to be a surplus or excess carrier that will do it and the premiums will be high.