Temtucky is a different world than North County SD. As I mentioned, the temptation to HELOC oneself to obtain a lifestyle you never earned is far more likely to occur in wannabe areas like San Marcos, Oceanside and Temtucky.
BTW, I have one client who bought in Harveston for all cash. He’s a retired Marine and wanted to be close to Pendleton, in a single level with room for him and his extended family. There’s at least one of them out there.