518 Vista Ln
Big Bear Lake, CA 92315
$374,999
3 bd · 1 ba · Listed 71d ago
View on Realtor.com →Year built
1965
Sqft
—
Lot sqft
5,450
HOA / mo
None
Furnished
Yes
List date
2026-09-03T15:04:01.000000Z
Revenue
Annual revenue
$37,271
ADR
$247
Occupancy
41%
Cleaning fees (12 mo)
$8,345
Confidence
Low (39.83), 50 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $31,402
Peek-A-Boo Lake View, Dog Yard, Near Village
Cabin · 3 bd · 2 ba · sleeps 6 · 226 ft
Revenue $32,283ADR $341Occ ≈ 26%4.9★ (150)
Delisted
The Grand Holiday Cottage
Bungalow · 3 bd · 2 ba · sleeps 8 · 240 ft
Revenue $16,238ADR $397Occ ≈ 11%4.8★ (19)
Delisted
Vista de Oso + Hot-Tub + Blackstone/BBQ!
Cabin · 3 bd · 2 ba · sleeps 6 · 502 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $962ADR $270Occ ≈ 1%4.5★ (2)
Big Bear's Casa Oso - Near the Lake & Ski Resorts-
Cabin · 3 bd · 2 ba · sleeps 7 · 512 ft
- Free parking
- Wifi
- Kitchen
- Washer
- +3
Revenue $19,888ADR $320Occ ≈ 17%4.9★ (13)
Attitude Adjustment
House · 3 bd · 2 ba · sleeps 8 · 525 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $43,395ADR $238Occ ≈ 50%4.8★ (81)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
* SNOW BUNNY * Game Room - Hot Tub - Fire Pit Cabin
| 3 bd · 2 ba · sleeps 7 | $73,129 | $389 | 52% | 4.9★ (269) | 167 ft | AirbnbVrbo |
Peek-A-Boo Lake View, Dog Yard, Near Village Cabin | 3 bd · 2 ba · sleeps 6 | $32,283 | $341 | 26% | 4.9★ (150) | 226 ft | Delisted |
Lakewood Timber Lodge/ Peaceful, Private & Serene House
| 3 bd · 2 ba · sleeps 6 | $47,498 | $227 | 57% | 5★ (28) | 233 ft | AirbnbVrboBooking |
The Grand Holiday Cottage Bungalow | 3 bd · 2 ba · sleeps 8 | $16,238 | $397 | 11% | 4.8★ (19) | 240 ft | Delisted |
High Altitude Modern Retreat, Game Room & Hot Tub Cabin
| 3 bd · 2 ba · sleeps 7 | $62,014 | $363 | 47% | 5★ (45) | 289 ft | AirbnbVrbo |
Mi Cabaña Big Bear Lake - Comfort and Location! Cabin
| 3 bd · 2 ba · sleeps 8 | $33,359 | $390 | 23% | 4.9★ (49) | 289 ft | AirbnbVrbo |
Dream Catcher - Massive Deck & Hot Tub Cabin
| 3 bd · 2 ba · sleeps 8 | $42,621 | $405 | 29% | 4.7★ (3) | 331 ft | AirbnbVrboBooking |
Vista de Oso + Hot-Tub + Blackstone/BBQ! Cabin
| 3 bd · 2 ba · sleeps 6 | $962 | $270 | 1% | 4.5★ (2) | 502 ft | Airbnb |
Big Bear's Casa Oso - Near the Lake & Ski Resorts- Cabin
| 3 bd · 2 ba · sleeps 7 | $19,888 | $320 | 17% | 4.9★ (13) | 512 ft | Airbnb |
Attitude Adjustment House
| 3 bd · 2 ba · sleeps 8 | $43,395 | $238 | 50% | 4.8★ (81) | 525 ft | Airbnb |
Show 26 more
Less Than 1 Mi to Big Bear Lake Cabin with Hot Tub
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $26,734ADR $259Occ ≈ 28%4★ (1)
Take a Break Big Bear Lake
House · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $3,719ADR $192Occ ≈ 5%5★ (1)
Delisted
Highland Cabin Jacuzzi Close To Slopes & Village
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $7,383ADR $149Occ ≈ 14%3.5★ (2)
Cozy Modern Cabin Close To Slopes/Village
Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.1 mi
Revenue $23,906ADR $211Occ ≈ 31%4.5★ (63)
Pine Nest Relaxing Walk to Marina Cozy Chalet
Chalet · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $9,984ADR $221Occ ≈ 12%4★ (3)
Bear Hug Cabin- Arcade Game! Centrally Located!
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $26,688ADR $286Occ ≈ 26%5★ (38)
Cozy Bear Cabin
Cabin · 3 bd · 1 ba · sleeps 7 · 0.2 mi
Revenue $36,308ADR $245Occ ≈ 41%4.8★ (13)
Delisted
Decked Out Lake House ~ Near Village and Lake
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $19,771ADR $477Occ ≈ 11%5★ (41)
Delisted
Green Squirrel Chateau by Big Bear Vacations
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $37,166ADR $711Occ ≈ 14%2.8★ (2)
Family Fun close to hiking trails and lake
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +4
Revenue $22,402ADR $221Occ ≈ 28%5★ (67)
Kelley's Kabin-290 by Big Bear Vacations
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $32,919ADR $492Occ ≈ 18%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hot Tub, Grill & Fire Pit: Cabin in Big Bear Lake Cabin | 3 bd · 1.5 ba · sleeps 6 | $44,061 | $298 | 41% | 4.7★ (22) | 0.1 mi | AirbnbBooking |
Modern Lake Cabin for Family, Friends and Pets! House
| 3 bd · 2 ba · sleeps 6 | $17,247 | $230 | 21% | 4.8★ (45) | 0.1 mi | AirbnbVrboBooking |
Less Than 1 Mi to Big Bear Lake Cabin with Hot Tub Vacation home | 3 bd · 2 ba · sleeps 6 | $26,734 | $259 | 28% | 4★ (1) | 0.1 mi | Booking |
Family Cabin, Playroom w/ Slide, Walkable, Dog Run House
| 3 bd · 2 ba · sleeps 7 | $18,858 | $303 | 17% | 5★ (17) | 0.1 mi | AirbnbVrboBooking |
Cozy Cabin Full of Fun - Lake,Marina,Village,Slope Cabin
| 3 bd · 2 ba · sleeps 9 | $24,189 | $266 | 25% | 4.7★ (291) | 0.1 mi | AirbnbVrbo |
Chateau Wonderland-0.9 mi-Village♦️walk to lake✨SPA Cabin
| 3 bd · 2 ba · sleeps 8 | $34,290 | $415 | 23% | 5★ (198) | 0.1 mi | AirbnbVrbo |
Happy Lake Cottage: Lake Views and Rustic Charm! House
| 3 bd · 2 ba · sleeps 6 | $50,049 | $247 | 56% | 4.6★ (132) | 0.1 mi | AirbnbVrbo |
Cozy Bear Cabin- 3bed-2bath w/ Spa House
| 3 bd · 2 ba · sleeps 8 | $16,472 | $705 | 6% | 4.7★ (88) | 0.1 mi | AirbnbVrbo |
Take a Break Big Bear Lake House | 3 bd · 2 ba · sleeps 6 | $3,719 | $192 | 5% | 5★ (1) | 0.1 mi | Delisted |
Highland Cabin Jacuzzi Close To Slopes & Village Vacation home | 3 bd · 2 ba · sleeps 6 | $7,383 | $149 | 14% | 3.5★ (2) | 0.1 mi | Booking |
Cozy Modern Cabin Close To Slopes/Village Cabin | 3 bd · 1.5 ba · sleeps 6 | $23,906 | $211 | 31% | 4.5★ (63) | 0.1 mi | Airbnb |
Cavern Cabin • AC • Renovated Rustic Modern House
| 3 bd · 2 ba · sleeps 8 | $41,954 | $309 | 37% | 4.7★ (143) | 0.1 mi | AirbnbVrbo |
Pine Nest Relaxing Walk to Marina Cozy Chalet Chalet | 3 bd · 2 ba · sleeps 7 | $9,984 | $221 | 12% | 4★ (3) | 0.1 mi | Booking |
Happy Bear Cabin - Minutes to Village! Cabin
| 3 bd · 2 ba · sleeps 7 | $15,590 | $316 | 14% | 4.3★ (16) | 0.1 mi | AirbnbVrboBooking |
Bear Hug Cabin- Arcade Game! Centrally Located! Cabin
| 3 bd · 2 ba · sleeps 8 | $26,688 | $286 | 26% | 5★ (38) | 0.1 mi | Airbnb |
Mountain Cabin Walk to Village, Hot Tub & Games Cabin | 3 bd · 2 ba · sleeps 7 | $42,399 | $379 | 31% | 4.6★ (10) | 0.1 mi | AirbnbBooking |
Bearadise ~ Enchanted Dream ~ Mountain Escape Cabin
| 3 bd · 2 ba · sleeps 8 | $60,377 | $249 | 66% | 5★ (83) | 0.1 mi | AirbnbVrbo |
Cozy Bear Cabin Cabin | 3 bd · 1 ba · sleeps 7 | $36,308 | $245 | 41% | 4.8★ (13) | 0.2 mi | Delisted |
New Cozy Cabin -close to lake and Village! Cabin
| 3 bd · 2 ba · sleeps 7 | $37,760 | $265 | 39% | 4.9★ (151) | 0.2 mi | AirbnbVrboBooking |
Decked Out Lake House ~ Near Village and Lake House | 3 bd · 2 ba · sleeps 8 | $19,771 | $477 | 11% | 5★ (41) | 0.2 mi | Delisted |
Green Squirrel Chateau w/ Pool Table + Games Cabin | 3 bd · 2 ba · sleeps 7 | $30,521 | $689 | 12% | 4.2★ (7) | 0.2 mi | AirbnbBooking |
Green Squirrel Chateau by Big Bear Vacations Vacation home | 3 bd · 2 ba · sleeps 7 | $37,166 | $711 | 14% | 2.8★ (2) | 0.2 mi | Booking |
Dream Street Retreat - lake, village, trails, more Cabin
| 3 bd · 2 ba · sleeps 6 | $36,346 | $189 | 53% | 4.9★ (148) | 0.2 mi | AirbnbVrbo |
Family Fun close to hiking trails and lake House
| 3 bd · 2 ba · sleeps 6 | $22,402 | $221 | 28% | 5★ (67) | 0.2 mi | Airbnb |
Kelley's Kabin Downtown Retreat w/ Hot Tub Cabin
| 3 bd · 1.5 ba · sleeps 6 | $19,503 | $457 | 12% | 3.3★ (10) | 0.2 mi | AirbnbVrboBooking |
Kelley's Kabin-290 by Big Bear Vacations Vacation home | 3 bd · 2 ba · sleeps 6 | $32,919 | $492 | 18% | — | 0.2 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
$37,271
NOI
$16,598
Cash flow /mo
-$653
Cash needed
$108,750
Cash-on-cash
-7.2%
ROE (yr 1)
5.4%
Cap rate
4.4%
DSCR
0.68
Year-1 write-off
$95,863
Year-1 tax shield @ 32%
$30,676
Year-1 return on equity
- Cash flow (annual)-$7,838
- Principal paydown$2,415
- Appreciation at%$11,250
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)$7,454
- Platform fees (3% of revenue)$1,118
- Maintenance / capex (5% of revenue)$1,864
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,687
- Insurance (STR-rated)$1,912
Cash needed to close
- Down payment (25%)$93,750
- Closing costs (4.0%)$15,000
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$30,676
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
$302,000
Short-life (5/15-yr)
$95,000 · 32%
Year-1 deduction
$96,000
Year-1 tax shield @ 32%
$31,000
Land 20% (county tax record, assessed value split) · building $206,000 over 39 years
Based on: ~1,900 sq ft (from beds), built 1965, 3 bd / 1 ba, furnished, listing features (deck, fence, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $59,000 in year 1 (19% short-life, $19,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $7,500
Kitchen cabinetsdefault
$10,000 new × 40% good × 1.89 allocation
- $6,200
Kitchen countertopsdefault
$8,200 new × 40% good × 1.89 allocation
- $2,500
Decorative trimdefault
$3,300 new × 40% good × 1.89 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.89 allocation
- $900
Shelvingdefault
$1,200 new × 40% good × 1.89 allocation
- $3,600
Window coverings (19)default
$4,800 new × 40% good × 1.89 allocation
- $9,200
Carpet, vinyl & laminate (100% of floors)listing
$12,200 new × 40% good × 1.89 allocation
- $5,900
Kitchen & laundry equipment plumbingdefault
$7,800 new × 40% good × 1.89 allocation
- $3,500
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 1.89 allocation
- $3,600
Appliances (range, microwave, refrigerator)listing
$4,700 new × 40% good × 1.89 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $8,500
Paving: driveway & walks (paved)default
$9,000 new × 50% good × 1.89 allocation
- $8,200
Landscaping (typical)default
$8,700 new × 50% good × 1.89 allocation
- $1,800
Patiosdefault
$1,900 new × 50% good × 1.89 allocation
- $20,200
Decks & porches (attached)listing
$21,400 new × 50% good × 1.89 allocation
- $5,700
Fencinglisting
$6,000 new × 50% good × 1.89 allocation
- $155,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$206,300 new × 40% good × 1.89 allocation
- $16,200
Building plumbing & fixturesdefault
$21,400 new × 40% good × 1.89 allocation
- $16,100
Building electrical & lightingdefault
$21,400 new × 40% good × 1.89 allocation
- $16,200
HVACdefault
$21,400 new × 40% good × 1.89 allocation
- $2,000
Fireplacelisting
$2,600 new × 40% good × 1.89 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $50,800 | $44,400 | $700 | $95,900 |
| 2 | $0 | $0 | $5,300 | $5,300 |
| 3 | $0 | $0 | $5,300 | $5,300 |
| 4 | $0 | $0 | $5,300 | $5,300 |
| 5 | $0 | $0 | $5,300 | $5,300 |
| 6+ | $0 | $0 | $184,500 | $184,500 |
| Total | $50,800 | $44,400 | $206,400 | $301,600 |
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.