41656 McWhinney Ln
Big Bear Lake, CA 92315
$599,000
3 bd · 2 ba · Listed 5d ago
View on Realtor.com →Year built
1978
Sqft
—
Lot sqft
6,500
HOA / mo
None
Furnished
Yes
List date
2026-11-07T21:26:00.000000Z
Revenue
Annual revenue
$39,435
ADR
$322
Occupancy
34%
Cleaning fees (12 mo)
$7,678
Confidence
Low (37.93), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $32,051
The Cosmic Brownie | <1mi Summit + EV + Spa
Cabin · 3 bd · 2 ba · sleeps 6 · 72 ft
Revenue $54,748ADR $434Occ ≈ 35%4.6★ (13)
Bear Bunch Lodge - Hot Tub, Game Room
House · 3 bd · 2 ba · sleeps 6 · 187 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $54,073ADR $291Occ ≈ 51%4.7★ (24)
Majestic sky retreat #2090
Vacation home · 3 bd · 2 ba · sleeps 10 · 240 ft
Revenue $114,627ADR $761Occ ≈ 41%—
Modern 3BR Cabin • Walk to Snow Summit & Near Lake
Cabin · 3 bd · 2 ba · sleeps 8 · 338 ft
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $47,328ADR $368Occ ≈ 35%5★ (65)
Casa Makim-Walk to Slopes, Hot Tub, Fireplace, Jet Tub, BBQ
Vacation home · 3 bd · 2 ba · sleeps 8 · 381 ft
Revenue $25,437ADR $305Occ ≈ 23%—
Walk to Summit, Spa, Foosball Spacious and Central
Cabin · 3 bd · 2.5 ba · sleeps 8 · 384 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +5
Revenue $12,990ADR $408Occ ≈ 9%4.8★ (45)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Cosmic Brownie | <1mi Summit + EV + Spa Cabin | 3 bd · 2 ba · sleeps 6 | $54,748 | $434 | 35% | 4.6★ (13) | 72 ft | Airbnb |
Bear Bunch Lodge - Hot Tub, Game Room House
| 3 bd · 2 ba · sleeps 6 | $54,073 | $291 | 51% | 4.7★ (24) | 187 ft | Airbnb |
Epic Game Room, Hot Tub, Near Summit & Village Cabin
| 3 bd · 2 ba · sleeps 6 | $71,232 | $411 | 47% | 5★ (59) | 194 ft | AirbnbVrbo |
Majestic Sky Basecamp Ski Haus Retreat- Spa- Games Cabin
| 3 bd · 2 ba · sleeps 10 | $56,803 | $562 | 28% | 4.7★ (33) | 203 ft | AirbnbVrboBooking |
Majestic sky retreat #2090 Vacation home | 3 bd · 2 ba · sleeps 10 | $114,627 | $761 | 41% | — | 240 ft | Booking |
Summit's Trident, Spa, Game Room, Snow Summit Cabin
| 3 bd · 2.5 ba · sleeps 7 | $55,581 | $422 | 36% | 5★ (105) | 295 ft | AirbnbVrbo |
Hot Tub + Fenced Yard + Playset + EV Charger House
| 3 bd · 2 ba · sleeps 6 | $30,335 | $368 | 23% | 4.7★ (49) | 315 ft | AirbnbVrboBooking |
Modern 3BR Cabin • Walk to Snow Summit & Near Lake Cabin
| 3 bd · 2 ba · sleeps 8 | $47,328 | $368 | 35% | 5★ (65) | 338 ft | Airbnb |
Casa Makim-Walk to Slopes, Hot Tub, Fireplace, Jet Tub, BBQ Vacation home | 3 bd · 2 ba · sleeps 8 | $25,437 | $305 | 23% | — | 381 ft | Booking |
Walk to Summit, Spa, Foosball Spacious and Central Cabin
| 3 bd · 2.5 ba · sleeps 8 | $12,990 | $408 | 9% | 4.8★ (45) | 384 ft | Airbnb |
Show 34 more
Next to Summit: Hot tub, Fenced Yard, A/C, Tesla
Cabin · 3 bd · 2 ba · sleeps 8 · 486 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +6
Revenue $36,923ADR $516Occ ≈ 20%4.9★ (71)
Big Red N The Pines Prime location/spacious rooms
Cabin · 3 bd · 2 ba · sleeps 6 · 489 ft
- Free parking
- Wifi
- Kitchen
- Fireplace
- +1
Revenue $15,040ADR $316Occ ≈ 13%4.9★ (72)
Mountain Bear Chalet HotTub Pool Table Near Summit
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $52,532ADR $361Occ ≈ 40%4.2★ (5)
Brownie Retreat: Walk to Snow Summit
House · 3 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $26,317ADR $311Occ ≈ 23%4.9★ (41)
Delisted
Central Big Bear Home • Hot Tub + Outdoor Firepit
House · 3 bd · 3 ba · sleeps 7 · 0.1 mi
Revenue $9,727ADR $417Occ ≈ 6%5★ (74)
Château Bouli - 4 Season Escape / Games room
Cabin · 3 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $49,815ADR $568Occ ≈ 24%5★ (42)
Walk to Snow Summit + game room, fire pit & spa!
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $29,102ADR $539Occ ≈ 15%5★ (58)
Brownie's Den Ski Resort Townhouse at Big Bear
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $29,862ADR $373Occ ≈ 22%—
Cozy Big Bear Lake family cottage, at the foot of Ski Summit!
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $6,444ADR $379Occ ≈ 5%5★ (44)
Delisted
Luxury Boho Cabin near Village with deck and fireplace!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $1,412ADR $325Occ ≈ 1%5★ (1)
Delisted
Brownie Resort | Your Walk-to-Summit Getaway| Family's Snowboarders Skiers
Vacation home · 3 bd · 3 ba · sleeps 7 · 0.2 mi
Revenue $49,764ADR $507Occ ≈ 27%—
Summit Estates area of Big Bear Lake, Snow Summit!
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $18,540ADR $291Occ ≈ 17%4.8★ (41)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Pet Friendly! Close to Snow Summit,Lake & Village! House
| 3 bd · 2 ba · sleeps 9 | $40,929 | $300 | 37% | 4.8★ (30) | 400 ft | AirbnbVrbo |
Walk to Slopes & Lake! Modern Log Cabin w/ Hot Tub Cabin
| 3 bd · 2 ba · sleeps 6 | $9,033 | $223 | 11% | 5★ (11) | 453 ft | AirbnbVrboBooking |
Papa's Villa: Pool Table!Propane BBQ!Pet Friendly! House
| 3 bd · 2 ba · sleeps 8 | $47,861 | $311 | 42% | 4.8★ (161) | 463 ft | AirbnbVrbo |
Happy Trails: Hot Tub! Pool Table! Yard! BBQ! House
| 3 bd · 2 ba · sleeps 8 | $52,782 | $284 | 51% | 4.5★ (122) | 466 ft | AirbnbVrbo |
Next to Summit: Hot tub, Fenced Yard, A/C, Tesla Cabin
| 3 bd · 2 ba · sleeps 8 | $36,923 | $516 | 20% | 4.9★ (71) | 486 ft | Airbnb |
Cooler's Cabin Cabin | 3 bd · 2 ba · sleeps 8 | $2,085 | $260 | 2% | 4.8★ (319) | 489 ft | Airbnb |
Big Red N The Pines Prime location/spacious rooms Cabin
| 3 bd · 2 ba · sleeps 6 | $15,040 | $316 | 13% | 4.9★ (72) | 489 ft | Airbnb |
Mountain Bear Chalet HotTub Pool Table Near Summit Cabin
| 3 bd · 2 ba · sleeps 8 | $52,966 | $391 | 37% | 4.7★ (58) | 0.1 mi | AirbnbVrboBooking |
Mountain Bear Chalet HotTub Pool Table Near Summit Cabin
| 3 bd · 2 ba · sleeps 8 | $52,532 | $361 | 40% | 4.2★ (5) | 0.1 mi | Vrbo |
Buttercup at Snow Summit - Relaxing Resort Haus Condominium (condo)
| 3 bd · 2 ba · sleeps 8 | $11,268 | $411 | 8% | 4.8★ (5) | 0.1 mi | AirbnbVrboBooking |
Near Summit,Trails and Lake! Pet Friendly! HotTub! House
| 3 bd · 3 ba · sleeps 8 | $50,618 | $311 | 45% | 4.8★ (123) | 0.1 mi | AirbnbVrbo |
Brownie Retreat: Walk to Snow Summit House | 3 bd · 2 ba · sleeps 8 | $26,317 | $311 | 23% | 4.9★ (41) | 0.1 mi | Delisted |
Buttercup #2508 House
| 3 bd · 2 ba · sleeps 8 | $9,565 | $531 | 5% | — | 0.1 mi | AirbnbBooking |
Central Big Bear Home • Hot Tub + Outdoor Firepit House | 3 bd · 3 ba · sleeps 7 | $9,727 | $417 | 6% | 5★ (74) | 0.1 mi | Airbnb |
Cozy Family Cabin - Walk to Snow Summit! Hot Tub! Cabin
| 3 bd · 2 ba · sleeps 6 | $29,032 | $374 | 21% | 5★ (32) | 0.1 mi | AirbnbVrbo |
Summit Retreat| 2 Spas • Walk to Summit• Fenced Cabin
| 3 bd · 2 ba · sleeps 7 | $81,104 | $406 | 55% | 5★ (77) | 0.1 mi | AirbnbVrbo |
Walk to Snow Summit | Pool Table + Fireplace Cabin
| 3 bd · 2 ba · sleeps 9 | $24,419 | $385 | 17% | 4.8★ (42) | 0.1 mi | AirbnbVrboBooking |
Château Bouli - 4 Season Escape / Games room Cabin | 3 bd · 2 ba · sleeps 9 | $49,815 | $568 | 24% | 5★ (42) | 0.1 mi | Booking |
Pet Friendly! Near Snow Summit! Fenced Yard! Spa! House
| 3 bd · 2 ba · sleeps 6 | $32,975 | $260 | 35% | 4.7★ (149) | 0.1 mi | AirbnbVrbo |
Maple Cabin by Destination Big Bear : Walking Distance to Snow Summit! Propane BBQ! House
| 3 bd · 2 ba · sleeps 8 | $19,301 | $183 | 29% | 4.3★ (23) | 0.1 mi | AirbnbVrbo |
Walk to Snow Summit + game room, fire pit & spa! House
| 3 bd · 2 ba · sleeps 8 | $29,102 | $539 | 15% | 5★ (58) | 0.2 mi | Airbnb |
Brownie's Den Ski Resort Townhouse at Big Bear Vacation home | 3 bd · 2 ba · sleeps 6 | $29,862 | $373 | 22% | — | 0.2 mi | Booking |
Fenced Yard/Walk to lake, 3/4 mile to SKI, Dogs OK Cabin
| 3 bd · 2 ba · sleeps 9 | $14,700 | $379 | 11% | 4.4★ (42) | 0.2 mi | AirbnbVrboBooking |
Walk to Snow Summit | Pool Table + Fireplace Cabin
| 3 bd · 2 ba · sleeps 7 | $29,566 | $377 | 21% | 4.6★ (19) | 0.2 mi | AirbnbVrboBooking |
Rustic Cottage Near Snow Summit · Loft · Sleeps 8 Cabin
| 3 bd · 1.5 ba · sleeps 8 | $34,041 | $347 | 27% | 4.7★ (29) | 0.2 mi | AirbnbVrboBooking |
Cozy Big Bear Lake family cottage, at the foot of Ski Summit! House | 3 bd · 2 ba · sleeps 6 | $6,444 | $379 | 5% | 5★ (44) | 0.2 mi | Delisted |
Walk 2 Trails+Hot Tub+Grill+Pacman+Shuffleboard+EV Cabin
| 3 bd · 2 ba · sleeps 6 | $31,127 | $500 | 17% | 5★ (21) | 0.2 mi | AirbnbVrbo |
Luxury Boho Cabin near Village with deck and fireplace! Cabin | 3 bd · 2 ba · sleeps 7 | $1,412 | $325 | 1% | 5★ (1) | 0.2 mi | Delisted |
Brownie Resort | Your Walk-to-Summit Getaway| Family's Snowboarders Skiers Vacation home | 3 bd · 3 ba · sleeps 7 | $49,764 | $507 | 27% | — | 0.2 mi | Booking |
Hot Tub + Fire Pit | Walk to Lake + Snow Summit-TH Cabin
| 3 bd · 2 ba · sleeps 7 | $21,025 | $487 | 12% | 4.8★ (12) | 0.2 mi | AirbnbVrboBooking |
Wren's Cottage:Infinity Gametable!PetFriendly!Spa! House
| 3 bd · 2 ba · sleeps 7 | $66,066 | $360 | 50% | 4.9★ (74) | 0.2 mi | AirbnbVrbo |
Near Lake & Snow Summit! Foosball! Hot Tub! House
| 3 bd · 2 ba · sleeps 7 | $45,368 | $286 | 43% | 4.6★ (109) | 0.2 mi | AirbnbVrbo |
Near Snow Summit & Village| Game Room| Spacious|EV Cabin
| 3 bd · 2.5 ba · sleeps 10 | $65,581 | $401 | 45% | 5★ (43) | 0.2 mi | AirbnbVrbo |
Summit Estates area of Big Bear Lake, Snow Summit! House
| 3 bd · 2 ba · sleeps 8 | $18,540 | $291 | 17% | 4.8★ (41) | 0.2 mi | Airbnb |
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 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium
Est. revenue
$39,435
NOI
$14,549
Cash flow /mo
-$2,062
Cash needed
$173,710
Cash-on-cash
-14.2%
ROE (yr 1)
-1.7%
Cap rate
2.4%
DSCR
0.37
Year-1 write-off
$151,932
Year-1 tax shield @ 32%
$48,618
Year-1 return on equity
- Cash flow (annual)-$24,745
- Principal paydown$3,805
- Appreciation at%$17,970
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,887
- Platform fees (3% of revenue)$1,183
- Maintenance / capex (5% of revenue)$1,972
- Utilities & supplies$4,200
- HOA$0
- Property tax$8,095
- Insurance (STR-rated)$3,055
Cash needed to close
- Down payment (25%)$149,750
- Closing costs (4.0%)$23,960
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$48,618
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
$481,000
Short-life (5/15-yr)
$152,000 · 32%
Year-1 deduction
$152,000
Year-1 tax shield @ 32%
$49,000
Land 20% (county tax record, assessed value split) · building $329,000 over 39 years
Based on: ~1,900 sq ft (from beds), built 1978, 3 bd / 2 ba, furnished, listing features (deck, fence, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $92,000 in year 1 (19% short-life, $29,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,000
Kitchen cabinetsdefault
$10,000 new × 40% good × 3.02 allocation
- $9,800
Kitchen countertopsdefault
$8,200 new × 40% good × 3.02 allocation
- $4,000
Decorative trimdefault
$3,300 new × 40% good × 3.02 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.02 allocation
- $1,400
Shelvingdefault
$1,200 new × 40% good × 3.02 allocation
- $5,700
Window coverings (19)default
$4,800 new × 40% good × 3.02 allocation
- $14,800
Carpet, vinyl & laminate (100% of floors)listing
$12,200 new × 40% good × 3.02 allocation
- $9,400
Kitchen & laundry equipment plumbingdefault
$7,800 new × 40% good × 3.02 allocation
- $5,700
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 3.02 allocation
- $9,800
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)listing
$8,100 new × 40% good × 3.02 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $13,600
Paving: driveway & walks (paved)default
$9,000 new × 50% good × 3.02 allocation
- $13,100
Landscaping (typical)default
$8,700 new × 50% good × 3.02 allocation
- $2,800
Patiosdefault
$1,900 new × 50% good × 3.02 allocation
- $32,200
Decks & porches (attached)listing
$21,400 new × 50% good × 3.02 allocation
- $9,000
Fencinglisting
$6,000 new × 50% good × 3.02 allocation
- $248,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$206,100 new × 40% good × 3.02 allocation
- $25,800
Building plumbing & fixturesdefault
$21,400 new × 40% good × 3.02 allocation
- $25,800
Building electrical & lightingdefault
$21,400 new × 40% good × 3.02 allocation
- $25,800
HVACdefault
$21,400 new × 40% good × 3.02 allocation
- $3,200
Fireplacelisting
$2,600 new × 40% good × 3.02 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $80,700 | $70,800 | $400 | $151,900 |
| 2 | $0 | $0 | $8,400 | $8,400 |
| 3 | $0 | $0 | $8,400 | $8,400 |
| 4 | $0 | $0 | $8,400 | $8,400 |
| 5 | $0 | $0 | $8,400 | $8,400 |
| 6+ | $0 | $0 | $295,100 | $295,100 |
| Total | $80,700 | $70,800 | $329,200 | $480,800 |
The building's share of the price ($473,000) is 3.0x our depreciated replacement cost of the home ($157,000). The IRS guide treats a gap this size as a reason to review the land share: if land is worth more than the county ratio says, the basis and the write-off are smaller.
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, Georgia and Wisconsin 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.