39020 Bayview Ln
Big Bear Lake, CA 92315
$599,900
2 bd · 1.5 ba · Listed 58d ago
View on Realtor.com →Year built
1948
Sqft
—
Lot sqft
5,379
HOA / mo
None
Furnished
Yes
List date
2026-09-16T17:50:53.000000Z
Revenue
Annual revenue
$23,552
ADR
$208
Occupancy
31%
Cleaning fees (12 mo)
$5,212
Confidence
Low (51.58), 45 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $22,251
Bayview Cottage-Studio McGee inspired near lake
House · 2 bd · 1.5 ba · sleeps 6 · 203 ft
- Hot tub
- A/C
- Free parking
- Wifi
- +4
Revenue $46,330ADR $290Occ ≈ 44%5★ (72)
Boulder Bay Getaway
Vacation home · 2 bd · 1 ba · sleeps 5 · 0.1 mi
Revenue $35,914ADR $226Occ ≈ 44%4★ (1)
Mary's Lake Cabin: Near Lake and Boulder Bay Park!
House · 2 bd · 2.5 ba · sleeps 7 · 0.1 mi
Revenue $28,769ADR $236Occ ≈ 33%4.3★ (60)
Blissful Bay Cabin
Vacation home · 2 bd · 2 ba · sleeps 4 · 0.1 mi
Revenue $23,214ADR $257Occ ≈ 25%5★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Lake View+Game Room! Fire Pit! Walk to Boulder Bay Cabin
| 2 bd · 2 ba · sleeps 6 | $21,350 | $415 | 14% | 5★ (7) | 108 ft | AirbnbVrboBooking |
Bayview Cottage-Studio McGee inspired near lake House
| 2 bd · 1.5 ba · sleeps 6 | $46,330 | $290 | 44% | 5★ (72) | 203 ft | Airbnb |
Boulder Bay Getaway Vacation home | 2 bd · 1 ba · sleeps 5 | $35,914 | $226 | 44% | 4★ (1) | 0.1 mi | Booking |
Big Bear Cabin w/ Large Fenced Yard & Fire Pit Cabin
| 2 bd · 1.5 ba · sleeps 6 | $17,862 | $227 | 22% | 4.7★ (26) | 0.1 mi | AirbnbVrboBooking |
Mary's Lake Cabin: Near Lake and Boulder Bay Park! House | 2 bd · 2.5 ba · sleeps 7 | $28,769 | $236 | 33% | 4.3★ (60) | 0.1 mi | Airbnb |
2BR Blissful Lake View Cabin - Block 2 Boulder Bay Cabin
| 2 bd · 2 ba · sleeps 4 | $20,973 | $231 | 25% | 5★ (30) | 0.1 mi | AirbnbVrbo |
Blissful Bay Cabin Vacation home | 2 bd · 2 ba · sleeps 4 | $23,214 | $257 | 25% | 5★ (2) | 0.1 mi | Booking |
Boulder Bay Mountain View Getaway, Large Deck & AC Cabin
| 2 bd · 1 ba · sleeps 5 | $26,162 | $192 | 37% | 5★ (83) | 0.1 mi | AirbnbVrbo |
2 Fireplaces, Deck, Barbecue, Fenced Yard Cabin
| 2 bd · 2 ba · sleeps 5 | $15,440 | $313 | 14% | 4★ (43) | 0.2 mi | AirbnbVrboBooking |
Mountain Charm! Condo Steps from Boulder Bay Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $2,978 | $221 | 4% | 3.7★ (6) | 0.2 mi | AirbnbVrboBooking |
Show 34 more
Blue Jay Getaway #2082 by Big Bear Vacations
Apartment · 2 bd · 2 ba · sleeps 4 · 0.2 mi
Revenue $9,922ADR $553Occ ≈ 5%—
Modern Farmhouse Condo steps from Lake | Jacuzzi
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.2 mi
- Pool
- Free parking
- Pets OK
- Wifi
- +4
Revenue $27,537ADR $203Occ ≈ 37%4.9★ (374)
Retro Mountain Condo w/ Lake Views & Pool
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.2 mi
Revenue $36,022ADR $167Occ ≈ 59%4.5★ (4)
Casita Condo | Jacuzzi | 3mi to slopes
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.2 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +5
Revenue $32,378ADR $216Occ ≈ 41%5★ (198)
Lakeside Condo 2B/2B - Jacuzzi, 3mi to slopes
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.3 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +5
Revenue $21,593ADR $221Occ ≈ 27%4.9★ (387)
Modern Cabin that sleeps 6: Hot Tub, Firepit, BBQ
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +4
Revenue $8,269ADR $226Occ ≈ 10%5★ (6)
Lakeside Lumberjack Lodge - Condo *Pool/Jacuzzi*
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.3 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +5
Revenue $27,300ADR $165Occ ≈ 45%4.9★ (229)
Bearadise condo/free EV charge/lake beach/pool/spa
Apartment · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $29,452ADR $128Occ ≈ 63%5★ (42)
Delisted
Modern Cabin that sleeps 6: Hot Tub, Firepit, BBQ
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $337ADR $168Occ ≈ 1%—
The Cozy Cottage Condo - Jacuzzi/3mi to slopes
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.3 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +5
Revenue $23,212ADR $246Occ ≈ 26%4.9★ (215)
Nostalgic vibe with modern amenities in midcentury log cabin with hot tub + more
House · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $7,035ADR $294Occ ≈ 7%—
Lakeside Escape Condo - 2BR/2BA/Walk to Lake
Condominium (condo) · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $21,867ADR $283Occ ≈ 21%4★ (1)
Two bedroom rustic cabin #10
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $26,120ADR $87Occ ≈ 82%4.5★ (122)
Delisted
Nostalgic midcentury log cabin with hot tub more
House · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $16,214ADR $231Occ ≈ 19%—
Delisted
Condo in Boulder Bay, 3 miles to village, Lakeview
Townhouse · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $4,150ADR $227Occ ≈ 5%4.8★ (42)
Delisted
Home in big bear Lake just top floor
House · 2 bd · 1.5 ba · sleeps 6 · 0.3 mi
Revenue $6,738ADR $243Occ ≈ 8%4.5★ (2)
Delisted
Three Bear Cabin
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.4 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $39,156ADR $221Occ ≈ 49%5★ (118)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Blue Jay Getaway #2082 by Big Bear Vacations Apartment | 2 bd · 2 ba · sleeps 4 | $9,922 | $553 | 5% | — | 0.2 mi | Booking |
Boulder Bay Fun Retreat, Steps to the Lake & SPA Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $28,303 | $178 | 44% | 4.9★ (133) | 0.2 mi | AirbnbVrbo |
2 Bedroom Cndo Big Bear Lake Boulder Bay 2ba 大雄湖月租 Condominium (condo)
| 2 bd · 2 ba · sleeps 5 | $13,933 | $61 | 63% | 4.8★ (99) | 0.2 mi | AirbnbVrbo |
Steps to Lake. Close to Village and Spa. Pool/Spa Condominium (condo)
| 2 bd · 2 ba · sleeps 5 | $26,682 | $192 | 38% | 4.8★ (339) | 0.2 mi | AirbnbVrbo |
 Modern Farmhouse Condo steps from Lake | Jacuzzi Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $27,537 | $203 | 37% | 4.9★ (374) | 0.2 mi | Airbnb |
Retro Mountain Condo w/ Lake Views & Pool Condominium (condo) | 2 bd · 2 ba · sleeps 4 | $36,022 | $167 | 59% | 4.5★ (4) | 0.2 mi | Booking |
Casita Condo | Jacuzzi | 3mi to slopes Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $32,378 | $216 | 41% | 5★ (198) | 0.2 mi | Airbnb |
The best memories are made here. Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $22,634 | $245 | 25% | 4.9★ (51) | 0.2 mi | AirbnbVrbo |
Charming Condo W/ Pool, Hot Tub & Pet Friendly Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $20,793 | $237 | 24% | 4.8★ (51) | 0.2 mi | AirbnbVrboBooking |
Boulder Bay Condo w/ Heated Pool & Views Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $20,056 | $278 | 20% | 4.2★ (8) | 0.2 mi | AirbnbVrboBooking |
Lakeside Condo 2B/2B - Jacuzzi, 3mi to slopes Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $21,593 | $221 | 27% | 4.9★ (387) | 0.3 mi | Airbnb |
Next to Lake. Close to Village and Slopes. BBQ. Condominium (condo)
| 2 bd · 2 ba · sleeps 5 | $22,852 | $214 | 29% | 4.8★ (233) | 0.3 mi | AirbnbVrbo |
Lakeside Haven: Walk to Park w/ Pool & Hot Tub Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $8,211 | $159 | 14% | 4.4★ (22) | 0.3 mi | AirbnbVrboBooking |
Blue Jay Lakeside Condo*Pool & Spa*Walk to Lake* Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $9,730 | $272 | 10% | 4★ (24) | 0.3 mi | AirbnbVrboBooking |
Modern Cabin that sleeps 6: Hot Tub, Firepit, BBQ Cabin
| 2 bd · 1 ba · sleeps 6 | $8,269 | $226 | 10% | 5★ (6) | 0.3 mi | Airbnb |
Steps to Boulder Bay & 4.3 miles to Snow Summit Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $19,916 | $227 | 24% | 5★ (27) | 0.3 mi | AirbnbVrbo |
Lakeside Lumberjack Lodge - Condo *Pool/Jacuzzi* Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $27,300 | $165 | 45% | 4.9★ (229) | 0.3 mi | Airbnb |
Bearadise condo/free EV charge/lake beach/pool/spa Apartment | 2 bd · 2 ba · sleeps 4 | $29,452 | $128 | 63% | 5★ (42) | 0.3 mi | Delisted |
Modern Cabin that sleeps 6: Hot Tub, Firepit, BBQ Cabin
| 2 bd · 1 ba · sleeps 6 | $337 | $168 | 1% | — | 0.3 mi | Vrbo |
Timber Pines Chalet Retreat Cottage w/ Hot Tub Cabin
| 2 bd · 2 ba · sleeps 4 | $27,220 | $331 | 23% | 4.5★ (19) | 0.3 mi | AirbnbVrboBooking |
Lakeside Gem: Walk to Park w/ Hot Tub & Fireplace Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $12,607 | $264 | 13% | 3.9★ (41) | 0.3 mi | AirbnbVrboBooking |
The Cozy Cottage Condo - Jacuzzi/3mi to slopes Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $23,212 | $246 | 26% | 4.9★ (215) | 0.3 mi | Airbnb |
Nostalgic vibe with modern amenities in midcentury log cabin with hot tub + more House | 2 bd · 1 ba · sleeps 6 | $7,035 | $294 | 7% | — | 0.3 mi | Booking |
Lakefront Complex + Heated Pool + Walk to Lake Condominium (condo)
| 2 bd · 2 ba · sleeps 4 | $10,209 | $304 | 9% | 4.6★ (23) | 0.3 mi | AirbnbVrboBooking |
Lakeside Escape Condo - 2BR/2BA/Walk to Lake Condominium (condo) | 2 bd · 2 ba · sleeps 4 | $21,867 | $283 | 21% | 4★ (1) | 0.3 mi | Booking |
Nostalgic midcentury log cabin with hot tub more House | 2 bd · 1 ba · sleeps 6 | $28,397 | $314 | 25% | 4.2★ (28) | 0.3 mi | AirbnbBooking |
Two bedroom rustic cabin #10 Cabin | 2 bd · 1 ba · sleeps 4 | $26,120 | $87 | 82% | 4.5★ (122) | 0.3 mi | Delisted |
Nostalgic midcentury log cabin with hot tub more House | 2 bd · 1 ba · sleeps 6 | $16,214 | $231 | 19% | — | 0.3 mi | Delisted |
Magical Boulder Bay Cottage Near Lake & Trails Cabin
| 2 bd · 2 ba · sleeps 4 | $37,433 | $227 | 45% | 4.5★ (26) | 0.3 mi | AirbnbVrboBooking |
Relaxing Cabin w/ Peek-a-Boo Lake View Cabin
| 2 bd · 2 ba · sleeps 5 | $24,171 | $300 | 22% | 4.2★ (5) | 0.3 mi | AirbnbVrboBooking |
Condo in Boulder Bay, 3 miles to village, Lakeview Townhouse | 2 bd · 2 ba · sleeps 4 | $4,150 | $227 | 5% | 4.8★ (42) | 0.3 mi | Delisted |
Home in big bear Lake just top floor House | 2 bd · 1.5 ba · sleeps 6 | $6,738 | $243 | 8% | 4.5★ (2) | 0.3 mi | Delisted |
Three Bear Cabin Cabin
| 2 bd · 1.5 ba · sleeps 4 | $39,156 | $221 | 49% | 5★ (118) | 0.4 mi | Airbnb |
Relaxing Cabin Steps from Lake & Trails Cabin
| 2 bd · 1.5 ba · sleeps 4 | $24,256 | $218 | 30% | 4.1★ (13) | 0.4 mi | 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
Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium
Est. revenue
$23,552
NOI
$3,099
Cash flow /mo
-$2,999
Cash needed
$173,971
Cash-on-cash
-20.7%
ROE (yr 1)
-8.1%
Cap rate
0.5%
DSCR
0.08
Year-1 write-off
$135,391
Year-1 tax shield @ 32%
$43,325
Year-1 return on equity
- Cash flow (annual)-$35,992
- Principal paydown$3,864
- Appreciation at%$17,997
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)$4,710
- Platform fees (3% of revenue)$707
- Maintenance / capex (5% of revenue)$1,178
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,499
- Insurance (STR-rated)$3,059
Cash needed to close
- Down payment (25%)$149,975
- Closing costs (4.0%)$23,996
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$43,325
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
$490,000
Short-life (5/15-yr)
$134,000 · 27%
Year-1 deduction
$135,000
Year-1 tax shield @ 32%
$43,000
Land 19% (county tax record, assessed value split) · building $355,000 over 39 years
Based on: ~1,400 sq ft (from beds), built 1948, 2 bd / 1.5 ba, furnished, listing features (fence, game room, fireplace, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $99,000 in year 1 (20% short-life, $32,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $15,300
Kitchen cabinetsdefault
$8,900 new × 40% good × 4.30 allocation
- $12,500
Kitchen countertopsdefault
$7,300 new × 40% good × 4.30 allocation
- $4,200
Decorative trimdefault
$2,500 new × 40% good × 4.30 allocation
- $300
Mirrorsdefault
$200 new × 40% good × 4.30 allocation
- $1,500
Shelvingdefault
$900 new × 40% good × 4.30 allocation
- $6,000
Window coverings (14)default
$3,500 new × 40% good × 4.30 allocation
- $6,200
Carpet, vinyl & laminate (40% of floors)default
$3,600 new × 40% good × 4.30 allocation
- $11,900
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 4.30 allocation
- $7,200
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 4.30 allocation
- $8,800
Appliances (range, microwave, disposal, refrigerator)listing
$5,100 new × 40% good × 4.30 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $2,400
Game-room equipment (used)listing
$6,000 new × 40% good · out of the price
- $16,700
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 4.30 allocation
- $16,100
Landscaping (typical)default
$7,500 new × 50% good × 4.30 allocation
- $3,000
Patiosdefault
$1,400 new × 50% good × 4.30 allocation
- $3,000
Decks & porches (attached)default
$1,400 new × 50% good × 4.30 allocation
- $12,900
Fencinglisting
$6,000 new × 50% good × 4.30 allocation
- $261,500
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 40% good × 4.30 allocation
- $27,100
Building plumbing & fixturesdefault
$15,700 new × 40% good × 4.30 allocation
- $25,900
Building electrical & lightingdefault
$15,000 new × 40% good × 4.30 allocation
- $27,100
HVACdefault
$15,800 new × 40% good × 4.30 allocation
- $9,300
Hardwood & tile floorsdefault
$5,400 new × 40% good × 4.30 allocation
- $4,500
Fireplacelisting
$2,600 new × 40% good × 4.30 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $82,600 | $51,600 | $1,100 | $135,400 |
| 2 | $0 | $0 | $9,100 | $9,100 |
| 3 | $0 | $0 | $9,100 | $9,100 |
| 4 | $0 | $0 | $9,100 | $9,100 |
| 5 | $0 | $0 | $9,100 | $9,100 |
| 6+ | $0 | $0 | $317,800 | $317,800 |
| Total | $82,600 | $51,600 | $355,400 | $489,600 |
The building's share of the price ($481,000) is 4.3x our depreciated replacement cost of the home ($112,000). 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.