476 San Bernardino Ave
Sugarloaf, CA 92386
$269,000
2 bd · 1 ba · Listed 27d ago
View on Realtor.com →Year built
1971
Sqft
—
Lot sqft
7,497
HOA / mo
None
Furnished
Yes
List date
2026-09-02T23:11:16.000000Z
Revenue
Annual revenue
$20,327
ADR
$179
Occupancy
31%
Cleaning fees (12 mo)
$4,412
Confidence
Low (46.32), 49 comps
Comp revenue range (p25 / median / p75)
The Eagles Nest Hot Tub BBQ Modern Retreat
Chalet · 2 bd · 1 ba · sleeps 4 · 522 ft
Revenue $23,043ADR $262Occ ≈ 24%3.5★ (1)
The Sugarloaf Shack is Cozy / Dog friendly!
Cabin · 2 bd · 1 ba · sleeps 5 · 0.1 mi
Revenue $36,325ADR $155Occ ≈ 64%5★ (161)
Cozy Quiet Cabin Escape
House · 2 bd · 1.5 ba · sleeps 6 · 0.1 mi
Revenue $26,392ADR $155Occ ≈ 47%4.9★ (107)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Sugarloaf Cutie w/Wood Burning Fireplace. Cabin | 2 bd · 1 ba · sleeps 6 | $15,483 | $242 | 18% | 4.5★ (41) | 381 ft | AirbnbVrboBooking |
6 Mi-to Lake,Shops,Slopes+Dog Friendly+Fenced Yard Cabin | 2 bd · 2 ba · sleeps 6 | $22,573 | $184 | 34% | 5★ (63) | 404 ft | AirbnbVrbo |
Gnome Charm, 2 bedroom. Avail for 2026 ski season. Cabin | 2 bd · 1 ba · sleeps 4 | $7,084 | $87 | 22% | 5★ (82) | 466 ft | AirbnbVrbo |
The Eagles Nest Hot Tub BBQ Modern Retreat Chalet | 2 bd · 1 ba · sleeps 4 | $23,043 | $262 | 24% | 3.5★ (1) | 522 ft | Booking |
Ohana Pines Cabin Cabin | 2 bd · 1 ba · sleeps 5 | $11,527 | $282 | 11% | 5★ (52) | 0.1 mi | AirbnbVrbo |
Private/Spacious Cabin near Big Bear Cabin | 2 bd · 1.5 ba · sleeps 4 | $28,246 | $214 | 36% | 4.9★ (11) | 0.1 mi | AirbnbVrbo |
The Sugarloaf Shack is Cozy / Dog friendly! Cabin | 2 bd · 1 ba · sleeps 5 | $36,325 | $155 | 64% | 5★ (161) | 0.1 mi | Airbnb |
Cozy Modern Cabin | Hot Tub | FirePit | Mini Golf Cabin | 2 bd · 1 ba · sleeps 6 | $38,547 | $296 | 36% | 4.7★ (37) | 0.1 mi | AirbnbVrbo |
Cozy Quiet Cabin Escape House | 2 bd · 1.5 ba · sleeps 6 | $26,392 | $155 | 47% | 4.9★ (107) | 0.1 mi | Airbnb |
Near Slopes & Shores: Pet-Friendly Sugarloaf Gem Cabin | 2 bd · 1 ba · sleeps 6 | $17,674 | $211 | 23% | 4.8★ (37) | 0.1 mi | AirbnbVrboBooking |
Show all 49 comps
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub
Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $10,702ADR $149Occ ≈ 20%4.9★ (48)
Cozy cabin mountain getaway
Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $22,506ADR $147Occ ≈ 42%4.9★ (130)
Big Bear/Sugarloaf 2br 1ba house fenced backyard
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $12,371ADR $115Occ ≈ 29%4.8★ (77)
SandyBear Cabin! Open floor plan & covered patio!
Cabin · 2 bd · 2 ba · sleeps 5 · 0.1 mi
Revenue $20,919ADR $243Occ ≈ 24%4.8★ (171)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $532ADR $133Occ ≈ 1%3★ (1)
Cheerful-2 bedroom cabin with indoor fireplace
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi
Revenue $13,125ADR $173Occ ≈ 21%4.8★ (46)
MtnMod! 2 Kings-Hot Tub-Fire Pit-Family Friendly
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $50,937ADR $217Occ ≈ 64%5★ (284)
Cozy, Romantic Mountain Cabin surrounded by trees.
Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $5,401ADR $202Occ ≈ 7%5★ (29)
Cozy Cabin Retreat
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $15,999ADR $209Occ ≈ 21%4.5★ (741)
Sugarloaf Hideaway
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $19,304ADR $243Occ ≈ 22%4.8★ (42)
Mountain Getaway by Big Bear Vacations Adorable Sugarloaf Retreat
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $28,238ADR $956Occ ≈ 8%—
Mountain Getaway#2183
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $22,754ADR $948Occ ≈ 7%—
2 Bedroom Cabin
Cabin · 2 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $14,599ADR $136Occ ≈ 29%4.9★ (9)
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball!
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $34,444ADR $180Occ ≈ 52%4.9★ (106)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $3,514ADR $195Occ ≈ 5%—
Lil’, Cozy Cabin & Fireplace + Firepit + BBQ grill
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $7,988ADR $232Occ ≈ 9%4.8★ (14)
Apres chalet #2364
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $36,293ADR $370Occ ≈ 27%—
Apres Chalet Retreat | Pet-Friendly Cottage | Hot Tub | Nature Escape
Vacation home · 2 bd · 2 ba · sleeps 4 · 0.2 mi
Revenue $30,498ADR $309Occ ≈ 27%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Family Friendly w/Fenced Yard & Game Room Cabin | 2 bd · 2 ba · sleeps 6 | $18,010 | $292 | 17% | 5★ (23) | 0.1 mi | AirbnbVrboBooking |
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub Cabin | 2 bd · 1 ba · sleeps 6 | $10,702 | $149 | 20% | 4.9★ (48) | 0.1 mi | Airbnb |
Bear Escapes II: Affordable Luxury Cabin Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $23,076 | $197 | 32% | 5★ (68) | 0.1 mi | AirbnbVrboBooking |
Cozy cabin mountain getaway Cabin | 2 bd · 1 ba · sleeps 6 | $22,506 | $147 | 42% | 4.9★ (130) | 0.1 mi | Airbnb |
King bed | Hot Tub | Wood Fireplace | Sleep 6 Cabin | 2 bd · 1 ba · sleeps 6 | $16,105 | $197 | 22% | 4.9★ (72) | 0.1 mi | AirbnbVrboBooking |
Cute and Cozy Cottage- Big Bear Retreat Cabin | 2 bd · 2 ba · sleeps 4 | $15,570 | $967 | 4% | 3★ (5) | 0.1 mi | AirbnbVrboBooking |
Big Bear/Sugarloaf 2br 1ba house fenced backyard Cabin | 2 bd · 1 ba · sleeps 4 | $12,371 | $115 | 29% | 4.8★ (77) | 0.1 mi | Airbnb |
Romantic Retreat, Hot Tub Gazebo, Unique Decor Cabin | 2 bd · 1 ba · sleeps 6 | $20,546 | $213 | 26% | 5★ (65) | 0.1 mi | AirbnbVrbo |
Cozy Cabin-EV Charging, Hot Tub & Fireplace Cabin | 2 bd · 1 ba · sleeps 6 | $18,716 | $213 | 24% | 4.8★ (85) | 0.1 mi | AirbnbVrbo |
SandyBear Cabin! Open floor plan & covered patio! Cabin | 2 bd · 2 ba · sleeps 5 | $20,919 | $243 | 24% | 4.8★ (171) | 0.1 mi | Airbnb |
The Library Lodge | Fenced Yard | Hot Tub | Cabin Cabin | 2 bd · 1 ba · sleeps 6 | $28,631 | $132 | 59% | 4.9★ (162) | 0.2 mi | AirbnbVrbo |
Updated pet-friendly home with fenced yard deck House | 2 bd · 2 ba · sleeps 6 | $13,718 | $215 | 17% | 4.3★ (17) | 0.2 mi | AirbnbVrboBooking |
Mountain Tree House *W/Fireplace, BBQ, Fire-pit* Cabin | 2 bd · 1 ba · sleeps 6 | $18,717 | $224 | 23% | 4.8★ (99) | 0.2 mi | AirbnbVrbo |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $532 | $133 | 1% | 3★ (1) | 0.2 mi | Vrbo |
8 Mi to Big Bear Lake: Cabin w/ Deck & Fireplace Cabin | 2 bd · 1.5 ba · sleeps 6 | $22,731 | $205 | 30% | 5★ (34) | 0.2 mi | AirbnbVrboBooking |
Cozy Rustic Cottage in Sugarloaf Cabin | 2 bd · 2 ba · sleeps 4 | $14,817 | $188 | 22% | 4.9★ (12) | 0.2 mi | AirbnbVrbo |
Cheerful-2 bedroom cabin with indoor fireplace Cabin | 2 bd · 1.5 ba · sleeps 6 | $13,125 | $173 | 21% | 4.8★ (46) | 0.2 mi | Airbnb |
Ever Serene Cabin at Sugarloaf Cabin | 2 bd · 1 ba · sleeps 4 | $11,005 | $61 | 49% | — | 0.2 mi | AirbnbVrbo |
MtnMod! 2 Kings-Hot Tub-Fire Pit-Family Friendly Cabin | 2 bd · 1 ba · sleeps 4 | $50,937 | $217 | 64% | 5★ (284) | 0.2 mi | Airbnb |
Cozy, Romantic Mountain Cabin surrounded by trees. Cabin | 2 bd · 1 ba · sleeps 5 | $5,401 | $202 | 7% | 5★ (29) | 0.2 mi | Airbnb |
Cute Cozy Comfort Cabin, 1 Night Free! Cabin | 2 bd · 1.5 ba · sleeps 6 | $10,746 | $230 | 13% | 4.2★ (5) | 0.2 mi | AirbnbVrbo |
Cozy Cabin Retreat Cabin | 2 bd · 1 ba · sleeps 4 | $15,999 | $209 | 21% | 4.5★ (741) | 0.2 mi | Airbnb |
Rustic Big Bear Cabin • A/C • Pet Friendly Cabin | 2 bd · 1 ba · sleeps 6 | $14,870 | $154 | 26% | 5★ (14) | 0.2 mi | AirbnbVrbo |
Sugarloaf Hideaway Cabin | 2 bd · 2 ba · sleeps 6 | $19,304 | $243 | 22% | 4.8★ (42) | 0.2 mi | Airbnb |
Mountain Getaway by Big Bear Vacations Adorable Sugarloaf Retreat Vacation home | 2 bd · 1 ba · sleeps 4 | $28,238 | $956 | 8% | — | 0.2 mi | Booking |
Riverside Retreat | Cozy Big Bear Cabin Cabin | 2 bd · 1 ba · sleeps 4 | $21,187 | $152 | 38% | 5★ (31) | 0.2 mi | AirbnbVrbo |
Adorable Sugarloaf Mountain Getaway in Big Bear Cabin | 2 bd · 1 ba · sleeps 6 | $6,493 | $261 | 7% | 4★ (6) | 0.2 mi | AirbnbVrboBooking |
Mountain Getaway#2183 Vacation home | 2 bd · 1 ba · sleeps 4 | $22,754 | $948 | 7% | — | 0.2 mi | Booking |
2 Bedroom Cabin Cabin | 2 bd · 2 ba · sleeps 8 | $14,599 | $136 | 29% | 4.9★ (9) | 0.2 mi | Airbnb |
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball! Cabin | 2 bd · 1 ba · sleeps 4 | $34,444 | $180 | 52% | 4.9★ (106) | 0.2 mi | Airbnb |
Cozy Red Cabin - Private Backyard with Hot Tub! Cabin | 2 bd · 2 ba · sleeps 5 | $41,874 | $119 | 96% | 4.8★ (8) | 0.2 mi | AirbnbVrboBooking |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $3,514 | $195 | 5% | — | 0.2 mi | Vrbo |
Cozy Cabin Retreat, 6 Beds w/ hot tub, remodeled Cabin | 2 bd · 1 ba · sleeps 6 | $6,417 | $332 | 5% | 4.8★ (13) | 0.2 mi | AirbnbVrbo |
Designer Cottage near Village, Snow Tubing, Skiing Cabin | 2 bd · 1 ba · sleeps 5 | $26,648 | $243 | 30% | 5★ (56) | 0.2 mi | AirbnbVrbo |
Lil’, Cozy Cabin & Fireplace + Firepit + BBQ grill Cabin | 2 bd · 1 ba · sleeps 6 | $7,988 | $232 | 9% | 4.8★ (14) | 0.2 mi | Airbnb |
Apres Chalet at Big Bear- Log Cabin Retreat w/ Spa Cabin | 2 bd · 1.5 ba · sleeps 4 | $25,611 | $343 | 20% | 4.7★ (21) | 0.2 mi | AirbnbVrbo |
Imperial Alpine Cabin | Forest Snow Escape House | 2 bd · 1 ba · sleeps 5 | $43,024 | $283 | 42% | 5★ (10) | 0.2 mi | AirbnbVrbo |
Apres chalet #2364 Vacation home | 2 bd · 1 ba · sleeps 4 | $36,293 | $370 | 27% | — | 0.2 mi | Booking |
Apres Chalet Retreat | Pet-Friendly Cottage | Hot Tub | Nature Escape Vacation home | 2 bd · 2 ba · sleeps 4 | $30,498 | $309 | 27% | — | 0.2 mi | Booking |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$20,327
NOI
$6,105
Cash flow /mo
-$941
Cash needed
$78,010
Cash-on-cash
-14.5%
ROE (yr 1)
-1.9%
Cap rate
2.3%
DSCR
0.35
Year-1 write-off
$44,094
Year-1 tax shield @ 32%
$14,110
Year-1 return on equity
- Cash flow (annual)-$11,290
- Principal paydown$1,760
- Appreciation at%$8,070
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$4,065
- Platform fees (3% of revenue)$610
- Maintenance / capex (5% of revenue)$1,016
- Utilities & supplies$4,200
- HOA$0
- Property tax$3,363
- Insurance (STR-rated)$1,372
Cash needed to close
- Down payment (25%)$67,250
- Closing costs (4.0%)$10,760
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$14,110
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$156,000
Short-life (5/15-yr)
$44,000 · 28%
Year-1 deduction
$44,000
Year-1 tax shield @ 32%
$14,000
Land 43% (county tax record, assessed value split) · building $113,000 over 39 years
Based on: ~1,400 sq ft (from beds), built 1971, 2 bd / 1 ba, furnished, listing features (fireplace).
IRS-guide safe-harbor floor: $32,000 in year 1 (21% short-life, $10,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $4,800
Kitchen cabinetsdefault
$8,900 new × 40% good × 1.36 allocation
- $4,000
Kitchen countertopsdefault
$7,300 new × 40% good × 1.36 allocation
- $1,300
Decorative trimdefault
$2,500 new × 40% good × 1.36 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.36 allocation
- $500
Shelvingdefault
$900 new × 40% good × 1.36 allocation
- $1,900
Window coverings (14)default
$3,500 new × 40% good × 1.36 allocation
- $2,000
Carpet, vinyl & laminate (40% of floors)default
$3,600 new × 40% good × 1.36 allocation
- $3,800
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 1.36 allocation
- $2,300
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 1.36 allocation
- $4,400
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 1.36 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $5,300
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 1.36 allocation
- $5,100
Landscaping (typical)default
$7,500 new × 50% good × 1.36 allocation
- $900
Patiosdefault
$1,400 new × 50% good × 1.36 allocation
- $900
Decks & porches (attached)default
$1,400 new × 50% good × 1.36 allocation
- $82,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 40% good × 1.36 allocation
- $8,600
Building plumbing & fixturesdefault
$15,700 new × 40% good × 1.36 allocation
- $8,200
Building electrical & lightingdefault
$15,000 new × 40% good × 1.36 allocation
- $8,600
HVACdefault
$15,800 new × 40% good × 1.36 allocation
- $3,000
Hardwood & tile floorsdefault
$5,400 new × 40% good × 1.36 allocation
- $1,400
Fireplacelisting
$2,600 new × 40% good × 1.36 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $31,500 | $12,300 | $400 | $44,100 |
| 2 | $0 | $0 | $2,900 | $2,900 |
| 3 | $0 | $0 | $2,900 | $2,900 |
| 4 | $0 | $0 | $2,900 | $2,900 |
| 5 | $0 | $0 | $2,900 | $2,900 |
| 6+ | $0 | $0 | $100,800 | $100,800 |
| Total | $31,500 | $12,300 | $112,700 | $156,500 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California and Georgia disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Big Bear Lake (city) and unincorporated county areas both allow permitted short-term rentals, and we found no numeric permit cap in either. Permits/licenses generally do NOT transfer on sale — a buyer must apply for their own, so confirm permit status with the city or San Bernardino County before closing. City: vacation rental license, up to 3 per owner. County: 1 permit per parcel under 2 acres, 2 max per owner. Lodging tax ~13% in the city, ~7% county. Rules change; verify before you buy.