If you are looking at 1 hour to downtown, sky’s the limit!

Escondido, Valley Center, Hidden Meadows. There should be plenty of homes built during the peak, so relatively new and most should be without MR with low HOA. Some of the communities, even with MR, the prices would be so low you can simply absorb the MR cost and pay it off.

Also consider Vista, milder climate but should have plenty of options that fit your requirement.