In contrast, Indio, Bermuda Dunes, and Coachella currently have more relaxed regulations and fees for STRs, making them potentially more profitable for investors.On that note, I have a mid-century house located in Indio (No HOA) that may be of interest to you or anyone else looking for an STR property in the area.

I would take 0 cash flow on an 8 of 10 appreciation for this century over a few hundred dollars cash flow per unit and appreciation for this century that is lower than the inflation rate.  

The Alabama statue says value, and all case authority going back for almost a century says it is the value.Former owner redeeming is rarely the problem.

using neighborhoodscout looking at Los Angeles shows it is 10/10 for this century and 9/10 for last 19 years (when lots of markets had great appreciation).  

I’ve been involved in multiple mentorships, including Gator Lending since 2022, and I can tell you firsthand that this community is rooted in professionalism, learning, and collaboration—not in the stereotypes you're peddling.Transactional funding is a time-tested practice in real estate, with over a century of history behind it.

BTW, I have a great agent, an 800+ credit score, a high paying tech job, no debt besides my mortgage, a home that's difficult to get a HELOC on because appraisers can't figure out what it's worth (I live in the country in a very unique mid century home), but only a small amount of cash.

Peoria 1.95% annual appreciation for this century.  

The reason I went with them instead, is Ameircan offers a 80% LTV 30 year long term whereas Century at the time only did 75%LTV. 

San Diego is one of the worst markets in the country.Your 2 best choices are setting networking goals and looking at other markets.I do not know what your definition of worst or what your source is, but San Diego is typically listed as one of the 3 best ROI large cities for this century.   

I realize at some point this will not be the case but my experience on my own units goes back to turn of thhs century.