These markets often have strong population and job growth and strong rental demand.But the reality is that even in more affordable markets like Columbus, you'll need about $50k-60k household income just to qualify for a conventional investment property loan (this assumes good credit and reasonable debt).

San Diego’s average house hold income is about what you stated, but the median is a surprisingly low (considering US news and world report lists it as the most expensive US city) ~$100k.  

I understand that the average household net-adjusted disposable income per capita is USD 20 519 a year.

Keep in mind all these markets are very different than the Cambridge area in terms of tenant base, household income, transit, etc.Happy to connect if you'd like to chat more!

I start with the location info, growth, median household income, all the vestmap.com DISCERN metrics.

Applicants have a prior eviction years due to unfortunate circumstance but good household income and noted they are in a better place financially.

Your tenants who faced with an already tight household budget may decide to rig the issue instead of fixing it properly.  

Lastly, while birth rates are declining the # of pet households is increasing.   

Between July 2009, and July 2010, the couple used more than $761,000 from this hidden account for payments on an American Express credit card; car loans for a 2006 Range Rover, a 2007 Bentley Continental, and a 2008 Rolls Royce Phantom Coupe; household expenses; legal expenses; department stores purchases; and a bulk gold coin purchase.

Imagine a $3M net worth household generating $66K in income by reallocating $1M from their index fund portfolio to a paid off property or two with this math.