42419 Bear Loop
Big Bear City, CA 92314
$1,068,000
4 bd · 3.5 ba · 2,566 sqft · Listed 65d ago
View on Realtor.com →Year built
1994
Sqft
2,566
Lot sqft
544,500,000
HOA / mo
$0
Furnished
No
List date
2026-09-09T17:38:52.000000Z
Revenue
Annual revenue
$62,274
ADR
$585
Occupancy
29%
Cleaning fees (12 mo)
$10,701
Confidence
Low (50.16), 48 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $51,896
Lakefront Cabin • Hot Tub + Game Room + Firepit
House · 4 bd · 4 ba · sleeps 10 · 95 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +5
Revenue $50,515ADR $635Occ ≈ 22%4.6★ (15)
Cabin:Stargazing GeoDome Pickleball GameRm Gym
Cabin · 4 bd · 4.5 ba · sleeps 10 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +3
Revenue $21,008ADR $482Occ ≈ 12%5★ (6)
Cabin: Pickleball, Fishing, Game Room, Gym
Cabin · 4 bd · 4.5 ba · sleeps 10 · 0.2 mi
Revenue $3,394ADR $848Occ ≈ 1%—
Delisted
California Dreaming: Lakeside Cabin Getaway in the Best Location
Vacation home · 4 bd · 4 ba · sleeps 9 · 0.3 mi
Revenue $68,225ADR $423Occ ≈ 44%—
Large Eagle Ridge Cabin / 4 Bd / Close to Lake
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $19,480ADR $499Occ ≈ 11%4.9★ (55)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Lakefront Cabin • Hot Tub + Game Room + Firepit House
| 4 bd · 4 ba · sleeps 10 | $50,515 | $635 | 22% | 4.6★ (15) | 95 ft | Airbnb |
Lazy Bear Manor:Hot Tub!Game Room! Pet Friendly! House
| 4 bd · 3.5 ba · sleeps 10 | $74,958 | $646 | 32% | 4.8★ (30) | 469 ft | AirbnbVrbo |
Lakefront Cabin • Hot Tub + Game Room + Firepit House
| 4 bd · 4 ba · sleeps 10 | $73,599 | $581 | 35% | 3.5★ (6) | 0.1 mi | AirbnbVrboBooking |
Blue Ridge Cabin | 4 bedrooms+Near the lake/slopes Cabin
| 4 bd · 3.5 ba · sleeps 10 | $76,045 | $420 | 50% | 4.8★ (222) | 0.1 mi | AirbnbVrbo |
Cabin:Stargazing GeoDome Pickleball GameRm Gym Cabin
| 4 bd · 4.5 ba · sleeps 10 | $21,008 | $482 | 12% | 5★ (6) | 0.2 mi | Airbnb |
Cabin: Pickleball, Fishing, Game Room, Gym Cabin | 4 bd · 4.5 ba · sleeps 10 | $3,394 | $848 | 1% | — | 0.2 mi | Delisted |
Nautical Cabin | Sauna · Ski Views · Game Loft Cabin
| 4 bd · 3.5 ba · sleeps 9 | $49,800 | $581 | 23% | 4.4★ (54) | 0.3 mi | AirbnbVrboBooking |
2 mins to the Lake, Pool Table + Wrap-Around Deck Cabin
| 4 bd · 3 ba · sleeps 12 | $88,052 | $655 | 37% | 4.8★ (34) | 0.3 mi | AirbnbVrboBooking |
California Dreaming: Lakeside Cabin Getaway in the Best Location Vacation home | 4 bd · 4 ba · sleeps 9 | $68,225 | $423 | 44% | — | 0.3 mi | Booking |
Large Eagle Ridge Cabin / 4 Bd / Close to Lake Vacation home | 4 bd · 3 ba · sleeps 10 | $19,480 | $499 | 11% | 4.9★ (55) | 0.4 mi | Delisted |
Show 22 more
BearPaw Retreat - Full Log with lake view
Cabin · 4 bd · 3 ba · sleeps 11 · 0.6 mi
Revenue $35,853ADR $437Occ ≈ 22%4.9★ (97)
Eagle Ridge Views-1648 by Big Bear Vacations
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.6 mi
Revenue $86,491ADR $1,275Occ ≈ 19%—
Ideal Location! Home theatre, spa, games & EV plug
Cabin · 4 bd · 2.5 ba · sleeps 12 · 0.6 mi
Revenue $115,050ADR $700Occ ≈ 45%5★ (94)
Luxury 4 Bd Family Cabin In The Exclusive Castle Glen Estates
Cabin · 4 bd · 3 ba · sleeps 12 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $19,451ADR $659Occ ≈ 8%5★ (151)
Boulder Estate. Hot Tub in Boulders. Views. Games.
House · 4 bd · 3.5 ba · sleeps 13 · 0.7 mi
Revenue $69,690ADR $0Occ ≈ —4.8★ (45)
The Octagon Big Bear | Hot Tub | Game Room | Views| Pool Table
Vacation home · 4 bd · 4 ba · sleeps 10 · 0.8 mi
Revenue $59,618ADR $1,451Occ ≈ 11%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
BoardersEagleReserve!PetsOK!HotTub!FullyFenced! House
| 4 bd · 3 ba · sleeps 13 | $58,572 | $858 | 19% | 4.8★ (13) | 0.4 mi | AirbnbVrbo |
Morning Star Luxury Cabin Hot Tub Near Ski Resort Cabin
| 4 bd · 3 ba · sleeps 12 | $49,026 | $694 | 19% | 4.5★ (7) | 0.4 mi | AirbnbVrboBooking |
BIG Lake Views/AC/King Beds/Garage/Balconies/Games House
| 4 bd · 3 ba · sleeps 11 | $49,568 | $804 | 17% | 5★ (13) | 0.4 mi | AirbnbVrbo |
Windsong Retreat | 3X2 PROMO | Lake Views. Hot tub House
| 4 bd · 3.5 ba · sleeps 12 | $53,065 | $681 | 21% | 4.9★ (61) | 0.4 mi | AirbnbVrbo |
Luxury! Hot Tub! Pool Table! Lake Views! House
| 4 bd · 3.5 ba · sleeps 12 | $80,121 | $576 | 38% | 4★ (1) | 0.5 mi | AirbnbVrbo |
Majestic Pines Estate Big Bear House
| 4 bd · 3.5 ba · sleeps 12 | $77,837 | $521 | 41% | 5★ (48) | 0.5 mi | AirbnbVrbo |
The Moose Lodge. Stunning Mtn Views. Spa. Games. House
| 4 bd · 3.5 ba · sleeps 10 | $39,394 | $728 | 15% | 5★ (14) | 0.5 mi | AirbnbVrbo |
The Golden Oak Retreat House
| 4 bd · 2.5 ba · sleeps 10 | $21,923 | $792 | 8% | 4.8★ (17) | 0.5 mi | AirbnbVrbo |
BearPaw Retreat - Full Log with lake view Cabin | 4 bd · 3 ba · sleeps 11 | $35,853 | $437 | 22% | 4.9★ (97) | 0.6 mi | Airbnb |
Starlight Retreat by AvantStay | Incredible Views Cabin
| 4 bd · 3.5 ba · sleeps 12 | $39,321 | $736 | 15% | 4.8★ (27) | 0.6 mi | AirbnbVrboBooking |
Eagle Ridge Views-1648 by Big Bear Vacations Vacation home | 4 bd · 3 ba · sleeps 10 | $86,491 | $1,275 | 19% | — | 0.6 mi | Booking |
Ideal Location! Home theatre, spa, games & EV plug Cabin | 4 bd · 2.5 ba · sleeps 12 | $115,050 | $700 | 45% | 5★ (94) | 0.6 mi | Airbnb |
HotTub-Fireplace-BBQ-Decks-Ski / Mtn & Lake Views House
| 4 bd · 4.5 ba · sleeps 12 | $78,417 | $618 | 35% | 4.9★ (74) | 0.6 mi | AirbnbVrbo |
Starlight Chalet-4b4b/near slope/Game Rm/EV charge Cabin
| 4 bd · 4 ba · sleeps 12 | $21,669 | $1,031 | 6% | 5★ (77) | 0.6 mi | AirbnbVrbo |
Luxury 4 Bd Family Cabin In The Exclusive Castle Glen Estates Cabin
| 4 bd · 3 ba · sleeps 12 | $19,451 | $659 | 8% | 5★ (151) | 0.6 mi | Vrbo |
Hot Tub, Game Room, Deck Views | Penticton Lodge Cabin
| 4 bd · 4 ba · sleeps 12 | $70,504 | $689 | 28% | 4.9★ (78) | 0.7 mi | AirbnbVrboBooking |
Boulder Estate. Hot Tub in Boulders. Views. Games. House | 4 bd · 3.5 ba · sleeps 13 | $69,690 | $0 | — | 4.8★ (45) | 0.7 mi | Airbnb |
New! Bearadise ~ Hunting Cabin with Game Room Cabin
| 4 bd · 3 ba · sleeps 10 | $41,918 | $199 | 58% | 4.9★ (47) | 0.7 mi | AirbnbVrbo |
Spacious Cabin Near Snowplay,Lake & Ski Resorts! House
| 4 bd · 2.5 ba · sleeps 10 | $21,617 | $562 | 11% | 4.8★ (21) | 0.7 mi | AirbnbVrbo |
The Octagon at Big Bear- Hot Tub + Pool Table Cabin
| 4 bd · 3.5 ba · sleeps 10 | $65,056 | $1,946 | 9% | 4.5★ (10) | 0.8 mi | AirbnbVrboBooking |
Panoramic Views! Pool Table! BBQ! Decks! Cable TV! House
| 4 bd · 3 ba · sleeps 10 | $50,726 | $430 | 32% | 4.8★ (63) | 0.8 mi | AirbnbVrbo |
The Octagon Big Bear | Hot Tub | Game Room | Views| Pool Table Vacation home | 4 bd · 4 ba · sleeps 10 | $59,618 | $1,451 | 11% | — | 0.8 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 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium
Est. revenue
$62,274
NOI
$23,442
Cash flow /mo
-$3,846
Cash needed
$332,720
Cash-on-cash
-13.9%
ROE (yr 1)
-2.2%
Cap rate
2.2%
DSCR
0.34
Year-1 write-off
$197,262
Year-1 tax shield @ 32%
$63,124
Year-1 return on equity
- Cash flow (annual)-$46,151
- Principal paydown$6,879
- Appreciation at%$32,040
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)$12,455
- Platform fees (3% of revenue)$1,868
- Maintenance / capex (5% of revenue)$3,114
- Utilities & supplies$4,200
- HOA$0
- Property tax$13,350
- Insurance (STR-rated)$5,447
Cash needed to close
- Down payment (25%)$267,000
- Closing costs (4.0%)$42,720
- Furnishing (bought new)$23,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$63,124
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
$854,000
Short-life (5/15-yr)
$172,000 · 20%
Year-1 deduction
$197,000
Year-1 tax shield @ 32%
$63,000
Land 20% (county tax record, assessed value split) · building $682,000 over 39 years · new furniture $23,000
Based on: 2,566 sq ft, built 1994, 4 bd / 3.5 ba, unfurnished, listing features (fireplace, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $147,000 in year 1 (14% short-life, $47,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $18,800
Kitchen cabinetsdefault
$11,400 new × 40% good × 4.11 allocation
- $15,400
Kitchen countertopsdefault
$9,300 new × 40% good × 4.11 allocation
- $7,400
Decorative trimdefault
$4,500 new × 40% good × 4.11 allocation
- $700
Mirrorsdefault
$500 new × 40% good × 4.11 allocation
- $2,500
Shelvingdefault
$1,500 new × 40% good × 4.11 allocation
- $10,700
Window coverings (26)default
$6,500 new × 40% good × 4.11 allocation
- $27,100
Carpet, vinyl & laminate (100% of floors)listing
$16,500 new × 40% good × 4.11 allocation
- $14,600
Kitchen & laundry equipment plumbingdefault
$8,900 new × 40% good × 4.11 allocation
- $8,800
Kitchen, laundry & data equipment electricaldefault
$5,400 new × 40% good × 4.11 allocation
- $13,300
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 4.11 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $21,600
Paving: driveway & walks (paved)default
$10,500 new × 50% good × 4.11 allocation
- $20,800
Landscaping (typical)default
$10,100 new × 50% good × 4.11 allocation
- $5,200
Patiosdefault
$2,500 new × 50% good × 4.11 allocation
- $5,200
Decks & porches (attached)default
$2,500 new × 50% good × 4.11 allocation
- $534,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$278,400 new × 47% good × 4.11 allocation
- $47,500
Building plumbing & fixturesdefault
$28,900 new × 40% good × 4.11 allocation
- $49,000
Building electrical & lightingdefault
$29,800 new × 40% good × 4.11 allocation
- $47,500
HVACdefault
$28,900 new × 40% good × 4.11 allocation
- $4,300
Fireplacelisting
$2,600 new × 40% good × 4.11 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $142,300 | $52,700 | $2,200 | $197,300 |
| 2 | $0 | $0 | $17,500 | $17,500 |
| 3 | $0 | $0 | $17,500 | $17,500 |
| 4 | $0 | $0 | $17,500 | $17,500 |
| 5 | $0 | $0 | $17,500 | $17,500 |
| 6+ | $0 | $0 | $610,200 | $610,200 |
| Total | $142,300 | $52,700 | $682,300 | $877,400 |
The building's share of the price ($854,000) is 4.1x our depreciated replacement cost of the home ($208,000). 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.