The easiest way to do this is to use a bootloader:
users = User.where(:location => 'Utopia').includes(:photos)
This will allow users in one pass, and then the relationship and related photos in another. You can combine all this into one call, if you use either JOINor a subtitle, this is your call, but it will look something like this:
photos = Photo.includes(:user).where('users.location' => 'Utopia')
Active Record 12.