42870 Encino Rd
Big Bear Lake, CA 92315
$785,000
4 bd · 3 ba · Listed 23d ago
View on Realtor.com →Year built
1977
Sqft
—
Lot sqft
4,515
HOA / mo
None
Furnished
Yes
List date
2026-09-06T14:04:58.000000Z
Revenue
Annual revenue
$45,652
ADR
$404
Occupancy
31%
Cleaning fees (12 mo)
$8,563
Confidence
Low (40.74), 44 comps
Comp revenue range (p25 / median / p75)
Relaxing Big Cub Cabin at Big Bear
Vacation home · 4 bd · 3 ba · sleeps 11 · 469 ft
Revenue $101,314ADR $1,247Occ ≈ 22%—
173 - Silvertip Retreat
Vacation home · 4 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $18,314ADR $315Occ ≈ 16%4.5★ (1)
Cabin with Game Room | Dog-Friendly | BBQ | Decks
House · 4 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $33,511ADR $279Occ ≈ 33%—
Cabin with Gameroom | Dogs OK | BBQ | Decks
House · 4 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $25,053ADR $329Occ ≈ 21%—
WalkerBearHouse (10 Adults Max)
Cabin · 4 bd · 3.5 ba · sleeps 16 · 0.1 mi
Revenue $51,262ADR $742Occ ≈ 19%4.9★ (41)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
YellowDeerLodge/GameRoom/AC/Spa/Lake/Ski/petsOk Cabin | 4 bd · 2 ba · sleeps 9 | $36,155 | $704 | 14% | 5★ (191) | 49 ft | AirbnbVrbo |
Walk to Bear Mtn! Hot Tub! Pet Friendly! Fire Pit! House | 4 bd · 3 ba · sleeps 8 | $21,168 | $382 | 15% | 5★ (11) | 105 ft | AirbnbVrbo |
Relaxing Big Cub Cabin at Big Bear Vacation home | 4 bd · 3 ba · sleeps 11 | $101,314 | $1,247 | 22% | — | 469 ft | Booking |
Hot Tub, Game Room, Deck w/ Mtn Views | Paw Print House | 4 bd · 3.5 ba · sleeps 16 | $100,091 | $542 | 51% | 4.9★ (38) | 499 ft | AirbnbVrboBooking |
Cabin with Gameroom Dogs OK BBQ Decks House | 4 bd · 2 ba · sleeps 9 | $38,715 | $309 | 34% | 4.5★ (8) | 0.1 mi | AirbnbVrbo |
173 - Silvertip Retreat Vacation home | 4 bd · 2 ba · sleeps 9 | $18,314 | $315 | 16% | 4.5★ (1) | 0.1 mi | Booking |
Cabin with Game Room | Dog-Friendly | BBQ | Decks House | 4 bd · 2 ba · sleeps 9 | $33,511 | $279 | 33% | — | 0.1 mi | Vrbo |
Cabin with Gameroom | Dogs OK | BBQ | Decks House | 4 bd · 2 ba · sleeps 9 | $25,053 | $329 | 21% | — | 0.1 mi | Vrbo |
WalkerBearHouse (10 Adults Max) Cabin | 4 bd · 3.5 ba · sleeps 16 | $51,262 | $742 | 19% | 4.9★ (41) | 0.1 mi | Airbnb |
Hot Tub + Game Room w/ Pool Table + Near Slopes Cabin | 4 bd · 2 ba · sleeps 10 | $36,742 | $474 | 21% | 4.7★ (13) | 0.1 mi | AirbnbBooking |
Show all 45 comps
Le Grand Bear, Modern and Spacious Cabin
Cabin · 4 bd · 2 ba · sleeps 10 · 0.1 mi
Revenue $8,241ADR $724Occ ≈ 3%5★ (8)
Big Bear Hideaway Cabin.
Cabin · 4 bd · 3 ba · sleeps 9 · 0.2 mi
Revenue $3,103ADR $948Occ ≈ 1%1★ (1)
Golf & Ski Retreat-1443 by Big Bear Vacations
Vacation home · 4 bd · 2 ba · sleeps 9 · 0.2 mi
Revenue $34,110ADR $606Occ ≈ 15%—
Moonridge Lodge | Hot Tub+Pet Friendly+By the Lake
House · 4 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $39,196ADR $228Occ ≈ 47%5★ (23)
Club View Cabin with Hot Tub & Game Room
Cabin · 4 bd · 2.5 ba · sleeps 10 · 0.3 mi
Revenue $85,430ADR $331Occ ≈ 71%4.8★ (169)
Big Bear hideaway cabin
Cabin · 4 bd · 3 ba · sleeps 12 · 0.3 mi
Revenue $13,368ADR $326Occ ≈ 11%4.8★ (5)
3BR Family Compound, Walk to Golf, Hiking, Near Zoo, Pet Friendly
Vacation home · 4 bd · 3 ba · sleeps 9 · 0.3 mi
Revenue $50,720ADR $1,334Occ ≈ 10%5★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Le Grand Bear, Modern and Spacious Cabin Cabin | 4 bd · 2 ba · sleeps 10 | $8,241 | $724 | 3% | 5★ (8) | 0.1 mi | Airbnb |
Big Bear Hideaway Cabin. Cabin | 4 bd · 3 ba · sleeps 9 | $3,103 | $948 | 1% | 1★ (1) | 0.2 mi | Airbnb |
Silvertip Perch: Bear Mountain Views! Hot Tub! House | 4 bd · 3.5 ba · sleeps 12 | $56,107 | $471 | 33% | 4.8★ (34) | 0.2 mi | AirbnbVrbo |
4BR Retreat | Central AIr Conditioning | Gameroom Cabin | 4 bd · 3 ba · sleeps 10 | $45,145 | $350 | 35% | 5★ (102) | 0.2 mi | AirbnbVrbo |
Mooncrest Manor: Pet Friendly! Full Game Room! House | 4 bd · 2.5 ba · sleeps 12 | $52,638 | $474 | 30% | 4.7★ (94) | 0.2 mi | AirbnbVrbo |
Eagles Nest Best Place To Rest with generator Cabin | 4 bd · 3 ba · sleeps 13 | $57,311 | $563 | 28% | 4.6★ (12) | 0.2 mi | AirbnbVrbo |
New! Bearadise ~ Silver Bear Mountain Retreat Cabin | 4 bd · 2.5 ba · sleeps 8 | $49,426 | $250 | 54% | 4.4★ (86) | 0.2 mi | AirbnbVrbo |
HOT TUB! Garage Parking! Slope Views! Game Table! House | 4 bd · 3 ba · sleeps 12 | $43,899 | $370 | 33% | 4.4★ (150) | 0.2 mi | AirbnbVrbo |
Golf/Ski/Hike/Zoo-Pool Table-Fireplaces-Essentials Cabin | 4 bd · 2.5 ba · sleeps 12 | $38,733 | $565 | 19% | 3.9★ (11) | 0.2 mi | AirbnbVrboBooking |
Lux 4 Bdrm! Central A/C! Hot Tub! Near Bear Mtn! House | 4 bd · 3.5 ba · sleeps 13 | $94,101 | $637 | 40% | 4.8★ (63) | 0.2 mi | AirbnbVrbo |
2 Mi to Lake & Ski Slopes: Big Bear Cabin House | 4 bd · 3 ba · sleeps 8 | $42,624 | $439 | 27% | 4.5★ (13) | 0.2 mi | AirbnbVrboBooking |
Big Bear Cabin | Hot Tub, Pool Table & Lake Access Cabin | 4 bd · 3 ba · sleeps 12 | $52,809 | $558 | 26% | 4.8★ (201) | 0.2 mi | AirbnbVrbo |
Luxury Cabin Minutes to Slopes & Lake w/Hot Tub! Cabin | 4 bd · 3 ba · sleeps 12 | $25,523 | $638 | 11% | 5★ (106) | 0.2 mi | AirbnbVrbo |
Bear Mesa Chalet | Hot Tub · Fireplace Cabin | 4 bd · 2 ba · sleeps 8 | $8,636 | $237 | 10% | 5★ (6) | 0.2 mi | AirbnbVrboBooking |
Charming Mountain Cabin Near Cabin | 4 bd · 3 ba · sleeps 9 | $30,558 | $200 | 42% | 3.2★ (6) | 0.2 mi | AirbnbVrbo |
Welcome to Bearadise: Walk to Zoo & Golf Course! House | 4 bd · 2.5 ba · sleeps 8 | $33,927 | $228 | 41% | 4.8★ (69) | 0.2 mi | AirbnbVrbo |
Golf & Ski Retreat-1443 by Big Bear Vacations Vacation home | 4 bd · 2 ba · sleeps 9 | $34,110 | $606 | 15% | — | 0.2 mi | Booking |
The Great Escape: Hot Tub! Air Hockey Table! House | 4 bd · 2 ba · sleeps 10 | $28,355 | $240 | 32% | 4.4★ (109) | 0.2 mi | AirbnbVrbo |
Moonridge Retreat | Snow Summit Views & Game Room House | 4 bd · 2 ba · sleeps 10 | $9,364 | $291 | 9% | 5★ (6) | 0.3 mi | AirbnbVrboBooking |
Spacious - New Spa W/ Pool Table Cabin | 4 bd · 2 ba · sleeps 9 | $21,873 | $466 | 13% | 4.9★ (47) | 0.3 mi | AirbnbVrboBooking |
Moonridge Chateau • Hot Tub + Game Room • Escape House | 4 bd · 2 ba · sleeps 9 | $55,686 | $508 | 30% | 4.8★ (24) | 0.3 mi | AirbnbVrbo |
3,000 S.F. Beautiful House, WIFI, near Ski Lift House | 4 bd · 2.5 ba · sleeps 12 | $12,128 | $808 | 4% | 4.7★ (77) | 0.3 mi | AirbnbVrbo |
Moonridge Lodge | Hot Tub+Pet Friendly+By the Lake House | 4 bd · 2 ba · sleeps 10 | $39,196 | $228 | 47% | 5★ (23) | 0.3 mi | Airbnb |
Fox Canyon: Deck! Great Neighborhood! Fireplace! House | 4 bd · 3 ba · sleeps 10 | $34,582 | $224 | 42% | 4.1★ (38) | 0.3 mi | AirbnbVrbo |
Moonridge Ski&Zoo Chalet HotTub/4BB/BBQ/Fr Pit/AC* Chalet | 4 bd · 4 ba · sleeps 12 | $77,383 | $529 | 40% | 5★ (58) | 0.3 mi | AirbnbVrboBooking |
Club View Cabin with Hot Tub & Game Room Cabin | 4 bd · 2.5 ba · sleeps 10 | $85,430 | $331 | 71% | 4.8★ (169) | 0.3 mi | Airbnb |
Bear Mountain Chalet w/ views, Hot Tub, and Games! Cabin | 4 bd · 4 ba · sleeps 12 | $55,770 | $790 | 19% | 5★ (7) | 0.3 mi | AirbnbVrboBooking |
Big Bear hideaway cabin Cabin | 4 bd · 3 ba · sleeps 12 | $13,368 | $326 | 11% | 4.8★ (5) | 0.3 mi | Airbnb |
Sunny Side Up: Tesla Charger, Pool Table, Hot Tub! Cabin | 4 bd · 4 ba · sleeps 12 | $105,222 | $603 | 48% | 5★ (265) | 0.3 mi | AirbnbVrbo |
4BR + Deck w/ BBQ + Slope Views Cabin | 4 bd · 2.5 ba · sleeps 10 | $9,295 | $544 | 5% | 4.7★ (16) | 0.3 mi | AirbnbBooking |
3BR Family Compound, Walk to Golf, Hiking, Near Zoo, Pet Friendly Vacation home | 4 bd · 3 ba · sleeps 9 | $50,720 | $1,334 | 10% | 5★ (2) | 0.3 mi | Booking |
StoryTime + Hot Tub + Game Room + EV Charger + BBQ House | 4 bd · 2 ba · sleeps 10 | $40,736 | $364 | 31% | 5★ (21) | 0.3 mi | AirbnbVrboBooking |
Hot Tub, Dogs OK, BBQ, Shuffleboard, and more! House | 4 bd · 3 ba · sleeps 10 | $53,592 | $763 | 19% | 4.8★ (7) | 0.3 mi | AirbnbVrboBooking |
Sublime For-Rest - High End Neighborhood! Hot Tub! House | 4 bd · 3 ba · sleeps 15 | $64,620 | $551 | 32% | 4.5★ (114) | 0.3 mi | AirbnbVrbo |
Mountain cabin w/ hot tub, games & EV charger Cabin | 4 bd · 2 ba · sleeps 10 | $48,650 | $533 | 25% | 5★ (21) | 0.3 mi | AirbnbVrbo |
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
$45,652
NOI
$16,031
Cash flow /mo
-$2,894
Cash needed
$227,650
Cash-on-cash
-15.3%
ROE (yr 1)
-2.7%
Cap rate
2.0%
DSCR
0.32
Year-1 write-off
$143,809
Year-1 tax shield @ 32%
$46,019
Year-1 return on equity
- Cash flow (annual)-$34,730
- Principal paydown$5,137
- Appreciation at%$23,550
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$9,130
- Platform fees (3% of revenue)$1,370
- Maintenance / capex (5% of revenue)$2,283
- Utilities & supplies$4,200
- HOA$0
- Property tax$9,813
- Insurance (STR-rated)$4,004
Cash needed to close
- Down payment (25%)$196,250
- Closing costs (4.0%)$31,400
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$46,019
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
$630,000
Short-life (5/15-yr)
$142,000 · 23%
Year-1 deduction
$144,000
Year-1 tax shield @ 32%
$46,000
Land 20% (county tax record, assessed value split) · building $488,000 over 39 years
Based on: ~2,400 sq ft (from beds), built 1977, 4 bd / 3 ba, furnished, listing features (fence, fireplace, appliance list).
IRS-guide safe-harbor floor: $104,000 in year 1 (16% short-life, $33,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $15,200
Kitchen cabinetsdefault
$11,100 new × 40% good × 3.44 allocation
- $12,500
Kitchen countertopsdefault
$9,000 new × 40% good × 3.44 allocation
- $5,800
Decorative trimdefault
$4,200 new × 40% good × 3.44 allocation
- $600
Mirrorsdefault
$500 new × 40% good × 3.44 allocation
- $2,100
Shelvingdefault
$1,500 new × 40% good × 3.44 allocation
- $8,300
Window coverings (24)default
$6,000 new × 40% good × 3.44 allocation
- $8,500
Carpet, vinyl & laminate (40% of floors)default
$6,200 new × 40% good × 3.44 allocation
- $11,900
Kitchen & laundry equipment plumbingdefault
$8,600 new × 40% good × 3.44 allocation
- $7,200
Kitchen, laundry & data equipment electricaldefault
$5,200 new × 40% good × 3.44 allocation
- $8,300
Appliances (range, refrigerator, washer, dryer)listing
$6,000 new × 40% good × 3.44 allocation
- $9,200
Furniture conveyed with the sale (used)listing
$23,000 new × 40% good · out of the price
- $17,500
Paving: driveway & walks (paved)default
$10,200 new × 50% good × 3.44 allocation
- $16,800
Landscaping (typical)default
$9,800 new × 50% good × 3.44 allocation
- $4,100
Patiosdefault
$2,400 new × 50% good × 3.44 allocation
- $4,100
Decks & porches (attached)default
$2,400 new × 50% good × 3.44 allocation
- $10,300
Fencinglisting
$6,000 new × 50% good × 3.44 allocation
- $358,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$260,300 new × 40% good × 3.44 allocation
- $37,200
Building plumbing & fixturesdefault
$27,000 new × 40% good × 3.44 allocation
- $38,200
Building electrical & lightingdefault
$27,700 new × 40% good × 3.44 allocation
- $37,200
HVACdefault
$27,000 new × 40% good × 3.44 allocation
- $12,800
Hardwood & tile floorsdefault
$9,300 new × 40% good × 3.44 allocation
- $3,600
Fireplacelisting
$2,600 new × 40% good × 3.44 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $89,400 | $52,800 | $1,600 | $143,800 |
| 2 | $0 | $0 | $12,500 | $12,500 |
| 3 | $0 | $0 | $12,500 | $12,500 |
| 4 | $0 | $0 | $12,500 | $12,500 |
| 5 | $0 | $0 | $12,500 | $12,500 |
| 6+ | $0 | $0 | $436,000 | $436,000 |
| Total | $89,400 | $52,800 | $487,600 | $629,800 |
The building's share of the price ($621,000) is 3.4x our depreciated replacement cost of the home ($180,000). 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 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.