They can create $ basically out of thin air and take that remaining $90k and turn it into $900k in lending. 

I’m active duty Air Force with four properties.

I'm also in the Air Force stationed in the area, and I've been here for about 5 years, so my wife and I are pretty familiar with the market by now.

I'll also guess 90% of the heat and air is a window unit or something not really tied into the main house.One thing I would also say is as best you can divorce the idea of an owner/occupied dream house from an investment property.   

Well maybe a duplex live in one side air bnb the other?

There is an Air-force base and other aerospace companies which I believe is much of the clientele there but from my experience most people will live in the Antelope Valley or Rosamond and commute to work out there.

I lived there for 1 year then moved out and started renting the house on Air BNB in the Summer and mid term rentals in the winter.

I’m active duty Air Force and used my VA loan benefit to buy three houses. 

The ADU does not have a private entrance; you enter on the side of the SFH and they both share the same back yard.It is at the top of our budget already and needs potential mini-split HVAC added to it to bring highest Air Bnb value.

I lease to some Air BnB'ers.