The last house we rented in Florida (zone 10a) had a banana tree in the back corner. Right on the other side of the
fence from "our" banana was a malabar chestnut in the neighbor's
yard. I'm not 100% sure if this was Pachira aquatica or P. glabra, but it was a great nurse plant for the banana, providing shade and some protection from the wind.
That was also a rental property, and I guarantee the renters did not irrigate or otherwise pay any attention to this tree. However, it was less than 10 feet away from a drainage ditch that ran behind the house and would hold water after rain. I imagine the tree probably sent roots down into the ditch to have ready access to water. If I recall correctly, in the native range both of these species are associated with wet areas.
This particular tree received full sun nearly all day long. It did seem to drop most of its leaves in the winter, which is the dry season for us. Not sure if it was lack of water or cooler temps that caused the leaf drop.
Based on how often I'd have to prune away overhanging branches, its growth rate was fairly high. The biggest thing I noticed was how much it struggled with fungal issues on interior leaves because the tree was never pruned to allow proper air flow (this may be less of an issue in your drier California climate).
It would produce fruit periodically that would fall into our yard; inside each fruit are the chestnuts. The fruits are green and football-shaped, rather hard in texture, and about 4 to 5 inches long. The chestnuts are about an inch in size and have a pleasant nutty flavor. Perhaps the ones I've tried were all overripe, but the texture was not enjoyable - almost like chewy
cardboard. I wonder if they would be better if harvested straight from the tree?
I tried propagating some from seed with very low success, but I did end up getting one seedling to establish. That was about a year ago; now the seedling is planted out in our food forest (zone 10a) and stands about 14" tall with a thick little trunk. I planted it near a banana tree since they both seem to like a lot of water.