As someone who has tried to figure out how to live in the area I grew up (northwestern Minnesota) instead of New York or the Bay area, this isn't quite accurate. In many (most?) flyover states software jobs pay 1/5-1/3 what you would make in NYC. The only technology needed is .NET or sometimes Java - the last 5 years of "scaling Ruby" or whatever you were doing, are more like a five year gap in your resume. The number of available positions are orders of magnitude less than NYC or the Bay. Often, you can get paid more and have an easier time getting work if you're an IT dude, rather than a software developer. The other option is being a remote worker for someplace cool but you usually need to have a career somewhere else for a few years to make connections. Of course, the American outback might be a good place to hole up and work on your own software startup for a while, but as soon as you need to hire you'll have to move again.
If you want to be able to throw a dart at a map and pick up high paying work wherever you want, the answer is still being an MD. The worst MD in North Dakota can make what the best software engineer in Manhattan makes. In a weird inversion of most employment reality, doctors can often make far more in a rural setting than they can in a mid-sided metro, due to "hardship post" style compensation. The career that is a close second for job mobility is "physicians assistant" - they make 80 grand no matter where they live.
I thought this was true, but a recent job search proved this to be quite wrong (at least for me). There are plenty of telecommuting jobs out there now that do not require previous experience with the company or telecommuting in general. Additionally there are more and more purely distributed companies out there that don't even have an office (a possible solution to you start-up problem). You may not get paid SF/NYC salaries but you can get close enough (especially compared to the average pay for your area).
There's a few very companies trying to do cool development but for the most part you're best served if you're an expert in Java or .Net.