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Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium

1259 Minton Dr

1259 Minton Dr

Big Bear City, CA 92314

$550,000

3 bd · 2 ba · 1,226 sqft · Listed today

View on Realtor.com →
Low confidenceNegative cash flow

Year built

1992

Sqft

1,226

Lot sqft

7,401

HOA / mo

$0

Furnished

No

List date

2026-11-13T00:34:41.000000Z

Revenue

Annual revenue

$33,930

ADR

$297

Occupancy

31%

Cleaning fees (12 mo)

$6,947

Confidence

Low (36.6), 49 comps

Comp revenue range (p25 / median / p75)

$16,537$31,280$43,319

Median revenue of shown comps: $31,183

  • Minton Heaven Cabin | Spa · Foosball · Deck

    Cabin · 3 bd · 2 ba · sleeps 7 · 52 ft

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $21,718ADR $356Occ ≈ 17%4.8★ (25)

    AirbnbVrboBooking

  • Play All Day! Game Room, Swing Set & Hot Tub Cabin

    House · 3 bd · 2 ba · sleeps 6 · 92 ft

    Revenue $1,366ADR $418Occ ≈ 1%—

    AirbnbBooking

  • Luna Pines - Spa, A/C Game Rm, Fire Pit & EV Chrg

    Cabin · 3 bd · 2 ba · sleeps 8 · 167 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $44,794ADR $355Occ ≈ 35%5★ (51)

    Airbnb

  • Bear Mtn View Chalet - Spa & Game Room

    Chalet · 3 bd · 2 ba · sleeps 10 · 240 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $35,119ADR $498Occ ≈ 19%5★ (173)

    Airbnb

  • Moonridge Chalet - amazing A frame home, hot tub.

    House · 3 bd · 2 ba · sleeps 8 · 243 ft

    Revenue $14,676ADR $581Occ ≈ 7%5★ (3)

    Airbnb

  • BEAUTIFUL CABIN WITH HOT TUB AND INCREDIBLE VIEWS

    Cabin · 3 bd · 2 ba · sleeps 8 · 259 ft

    Revenue $39,676ADR $376Occ ≈ 29%4.8★ (269)

    Delisted

  • Cheerful 3-bedroom cabin with pool table and games

    Cabin · 3 bd · 2 ba · sleeps 7 · 295 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $21,100ADR $248Occ ≈ 23%4.8★ (54)

    Airbnb

  • Silver Bear Lodge. Near ski areas and zoo.

    Cabin · 3 bd · 2 ba · sleeps 8 · 312 ft

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $20,407ADR $346Occ ≈ 16%5★ (29)

    Airbnb

  • Bearadise Log Cabin w/ Forest Winter Views & Charm

    Cabin · 3 bd · 2 ba · sleeps 8 · 318 ft

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $43,328ADR $308Occ ≈ 39%5★ (233)

    AirbnbVrboBooking

  • Hot Tub + Ski Slope Views | Upscale Log Lodge -TTL

    House · 3 bd · 2.5 ba · sleeps 8 · 325 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $20,759ADR $741Occ ≈ 8%4.5★ (67)

    AirbnbVrboBooking

Show 39 more
  • Onyx + Pine | A-Frame Cabin w/ Hot Tub & Game Loft

    Cabin · 3 bd · 2 ba · sleeps 8 · 335 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $87,915ADR $324Occ ≈ 74%5★ (80)

    Airbnb

  • Black Oak Cabin #1977 by Big Bear Vacations

    Vacation home · 3 bd · 2 ba · sleeps 6 · 387 ft

    Revenue $35,877ADR $680Occ ≈ 14%5★ (1)

    Booking

  • Black Oak Cabin Retreat Big Bear w/ Hot Tub

    Cabin · 3 bd · 2 ba · sleeps 6 · 394 ft

    Revenue $31,183ADR $347Occ ≈ 25%4.4★ (61)

    AirbnbBooking

  • Moonridge Retreat Hot Tub Foosball Families!

    Chalet · 3 bd · 2 ba · sleeps 8 · 394 ft

    Revenue $37,302ADR $274Occ ≈ 37%4.8★ (380)

    Delisted

  • Geodesic Dome Home w/ Hot Tub & Yard in Big Bear!

    House · 3 bd · 2 ba · sleeps 8 · 413 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $15,904ADR $347Occ ≈ 13%4.9★ (8)

    AirbnbVrboBooking

  • Snowy Evening Lodge - Mtn Deck Views & Firepit

    Cabin · 3 bd · 2 ba · sleeps 8 · 459 ft

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $33,768ADR $284Occ ≈ 33%4.9★ (71)

    AirbnbVrbo

  • Hexagon Mountain View & Spa

    Vacation home · 3 bd · 2 ba · sleeps 6 · 476 ft

    Revenue $11,620ADR $411Occ ≈ 8%4.7★ (3)

    Airbnb

  • Big Bear Cabin w/ Hot Tub < 3 Mi to Skiing!

    Cabin · 3 bd · 2 ba · sleeps 6 · 479 ft

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $18,337ADR $366Occ ≈ 14%4.5★ (21)

    AirbnbVrboBooking

  • Moonridge Chalet - amazing A frame home for a couples retreat

    Cabin · 3 bd · 2 ba · sleeps 8 · 509 ft

    Revenue $15,937ADR $650Occ ≈ 7%—

    Delisted

  • Big Bear Wilderness Retreat + Spa + Hiking Trail

    House · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $7,108ADR $355Occ ≈ 5%5★ (1)

    Airbnb

  • New! Bearadise ~ Stylish Mountain Retreat

    Villa · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +1

    Revenue $63,176ADR $324Occ ≈ 53%4.7★ (85)

    AirbnbVrbo

  • Hideaway

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $2,198ADR $259Occ ≈ 2%5★ (2)

    AirbnbVrbo

  • Rest N Relax Inn | Forest & Ski Slope Views, Fireplace, Fenced Yard & Deck

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.1 mi

    Revenue $62,367ADR $512Occ ≈ 33%5★ (1)

    Booking

  • Bear Claw Inn - A place to enjoy peace with your family! Comes with a Foosball Table and more!

    Vacation home · 3 bd · 3 ba · sleeps 8 · 0.1 mi

    Revenue $19,696ADR $912Occ ≈ 6%4.7★ (4)

    Booking

  • Luxury Scandinavian Cabin | Hot Tub + Fire Pit

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +3

    Revenue $47,325ADR $454Occ ≈ 29%4.8★ (53)

    AirbnbVrbo

  • Foosball + Hot Tub + Near Slopes

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $22,416ADR $348Occ ≈ 18%4.5★ (2)

    AirbnbVrboBooking

  • Luxury Log Cabin | Ski Views | Hot Tub & Fireplace

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $63,499ADR $306Occ ≈ 57%5★ (220)

    AirbnbVrbo

  • Grizzly Moonridge Retreat | Hot Tub + In Law Suite

    House · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $30,068ADR $305Occ ≈ 27%4.8★ (174)

    Airbnb

  • Heavenly Retreat: Billiards, Glimpse of Lake, BBQ

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $43,652ADR $383Occ ≈ 31%4.9★ (100)

    Airbnb

  • Modern Mountain Cabin | Prime Location | Sleeps 8

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.1 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $10,423ADR $478Occ ≈ 6%4.9★ (8)

    AirbnbVrbo

  • Cozy Cabin: Spa, Billiards, & Room for Whole Crew!

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi

    Revenue $34,965ADR $324Occ ≈ 30%5★ (4)

    Delisted

  • Cozy Cabin | Hot Tub, Game Room, Firepit, Fenced

    House · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $48,504ADR $288Occ ≈ 46%5★ (43)

    AirbnbVrbo

  • Renovated Moonridge Cabin w/ Hot Tub & Lake Views!

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $19,794ADR $210Occ ≈ 26%4.5★ (9)

    AirbnbVrboBooking

  • Hillside Cedar Chalet | Hot Tub - 7 Min to Village

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $34,559ADR $368Occ ≈ 26%4.8★ (92)

    Airbnb

  • Minton Grove Cabin + Fireplace & EV Charger!

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.1 mi

    • Wifi
    • Washer

    Revenue $5,293ADR $112Occ ≈ 13%—

    AirbnbVrbo

  • Upscale cabin, mini-split AC, spa, pool table

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.1 mi

    Revenue $72,766ADR $299Occ ≈ 67%5★ (374)

    Airbnb

  • Mountain Haven with Hot Tub + Man Cave + Arcade!

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $26,962ADR $340Occ ≈ 22%4.7★ (175)

    Delisted

  • Tree Top Villa:Decks!Pool Table! Foosball!

    House · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace
    • +1

    Revenue $31,377ADR $297Occ ≈ 29%4.7★ (48)

    AirbnbVrbo

  • Villa Grove | 3 Mi to Bear Mtn, Hot Tub & Games

    House · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $54,860ADR $303Occ ≈ 50%4.8★ (155)

    AirbnbVrboBooking

  • Hot Tub Insane Views 7 beds Snow Ready

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +3

    Revenue $43,290ADR $280Occ ≈ 42%4.8★ (48)

    Airbnb

  • Big Bear Lake Cabin W/Spa Mountain view

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $10,657ADR $208Occ ≈ 14%4.7★ (8)

    AirbnbVrboBooking

  • The Wolf House-Best Mountain View’s.

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $19,178ADR $300Occ ≈ 18%4.8★ (10)

    AirbnbVrbo

  • Lone Wolf Lodge - W/ Beautiful Mountain View’s

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $2,534ADR $249Occ ≈ 3%—

    Airbnb

  • New! Bearadise ~ Wooded Mountain Retreat

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $7,824ADR $203Occ ≈ 11%5★ (10)

    AirbnbVrboBooking

  • Moonlight Memories | Jacuzzi, Theatre, Dogs Okay!

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi

    Revenue $37,171ADR $423Occ ≈ 24%4.5★ (25)

    Airbnb

  • Gentle Grizzly Getaway:Views of Bear Mtn!

    House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $45,437ADR $339Occ ≈ 37%4.7★ (77)

    AirbnbVrbo

  • Daniel’s Cabin / HotTub & Incredible Big Bear View

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $38,877ADR $342Occ ≈ 31%4.8★ (266)

    Delisted

  • Private and spacious w/ wrap around deck mtn views

    House · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +2

    Revenue $15,092ADR $325Occ ≈ 13%4.8★ (30)

    Airbnb

  • Starlight Sanctuary | Wow Views, AC, Near Slopes!

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • A/C
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $74,400ADR $289Occ ≈ 71%4.8★ (61)

    AirbnbVrboBooking

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

Financing
Management
Term

Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium

Est. revenue

$33,930

NOI

$11,375

Cash flow /mo

-$2,039

Cash needed

$179,000

Cash-on-cash

-13.7%

ROE (yr 1)

-2.5%

Cap rate

2.1%

DSCR

0.32

Year-1 write-off

$155,331

Year-1 tax shield @ 32%

$49,706

Year-1 return on equity

  • Cash flow (annual)-$24,465
  • Principal paydown$3,543
  • Appreciation at%$16,500
ROE-2.5%

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)$6,786
  • Platform fees (3% of revenue)$1,018
  • Maintenance / capex (5% of revenue)$1,697
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$7,134
  • Insurance (STR-rated)$2,805

Cash needed to close

  • Down payment (25%)$137,500
  • Closing costs (4.0%)$22,000
  • Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$49,706

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

$440,000

Short-life (5/15-yr)

$136,000 · 31%

Year-1 deduction

$155,000

Year-1 tax shield @ 32%

$50,000

Land 20% (county tax record, assessed value split) · building $304,000 over 39 years · new furniture $20,000

Based on: 1,226 sq ft, built 1992, 3 bd / 2 ba, unfurnished, listing features (deck, patio, fireplace, flooring types).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $98,000 in year 1 (18% short-life, $31,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$88,400
  • Kitchen cabinetsdefault

    $8,500 new × 40% good × 3.97 allocation

    $13,500
  • Kitchen countertopsdefault

    $6,900 new × 40% good × 3.97 allocation

    $11,000
  • Decorative trimdefault

    $2,100 new × 40% good × 3.97 allocation

    $3,400
  • Mirrorsdefault

    $300 new × 40% good × 3.97 allocation

    $500
  • Shelvingdefault

    $1,200 new × 40% good × 3.97 allocation

    $1,900
  • Window coverings (12)default

    $3,000 new × 40% good × 3.97 allocation

    $4,800
  • Carpet, vinyl & laminate (33% of floors)listing

    $2,600 new × 40% good × 3.97 allocation

    $4,200
  • Kitchen & laundry equipment plumbingdefault

    $6,600 new × 40% good × 3.97 allocation

    $10,500
  • Kitchen, laundry & data equipment electricaldefault

    $4,000 new × 40% good × 3.97 allocation

    $6,300
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 40% good × 3.97 allocation

    $12,900
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
15-year land improvements$66,600
  • Paving: driveway & walks (paved)default

    $7,300 new × 50% good × 3.97 allocation

    $14,400
  • Landscaping (typical)default

    $7,000 new × 50% good × 3.97 allocation

    $13,900
  • Patioslisting

    $5,500 new × 50% good × 3.97 allocation

    $10,900
  • Decks & porches (attached)listing

    $13,800 new × 50% good × 3.97 allocation

    $27,400
Building, 39-year$304,500
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $132,500 new × 43% good × 3.97 allocation

    $227,800
  • Building plumbing & fixturesdefault

    $13,700 new × 40% good × 3.97 allocation

    $21,800
  • Building electrical & lightingdefault

    $12,800 new × 40% good × 3.97 allocation

    $20,300
  • HVACdefault

    $13,800 new × 40% good × 3.97 allocation

    $21,900
  • Hardwood & tile floorsdefault

    $5,300 new × 40% good × 3.97 allocation

    $8,400
  • Fireplacelisting

    $2,600 new × 40% good × 3.97 allocation

    $4,200

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$88,400$66,600$300$155,300
2$0$0$7,800$7,800
3$0$0$7,800$7,800
4$0$0$7,800$7,800
5$0$0$7,800$7,800
6+$0$0$272,900$272,900
Total$88,400$66,600$304,500$459,500

The building's share of the price ($440,000) is 4.0x our depreciated replacement cost of the home ($111,000). 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.