135 Finch Dr
Big Bear Lake, CA 92315
$799,000
3 bd · 2.5 ba · 1,624 sqft · Listed 4d ago
View on Realtor.com →Year built
1970
Sqft
1,624
Lot sqft
7,902
HOA / mo
$0
Furnished
No
List date
2026-09-25T19:14:02.000000Z
Revenue
Annual revenue
$38,124
ADR
$326
Occupancy
32%
Cleaning fees (12 mo)
$6,797
Confidence
Low (22.58), 50 comps
Comp revenue range (p25 / median / p75)
Close to Lake and Park-Hot Tub-Pool Table-Sl 11
House · 3 bd · 3 ba · sleeps 11 · 203 ft
Revenue $23,022ADR $356Occ ≈ 18%4.7★ (167)
LUXE | Big Bear Modern Cabin w/HotTub & Near Lake
House · 3 bd · 3 ba · sleeps 7 · 400 ft
Revenue $10,974ADR $393Occ ≈ 8%4.5★ (17)
LUXE | Big Bear Home w/HotTub
House · 3 bd · 3 ba · sleeps 7 · 427 ft
Revenue $14,346ADR $421Occ ≈ 9%4.1★ (9)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Quiet Retreat: Eagle Point Location! Foosball! House | 3 bd · 3 ba · sleeps 11 | $51,466 | $363 | 39% | 4.8★ (53) | 164 ft | AirbnbVrbo |
Close to Lake and Park-Hot Tub-Pool Table-Sl 11 House | 3 bd · 3 ba · sleeps 11 | $23,022 | $356 | 18% | 4.7★ (167) | 203 ft | Airbnb |
Upscale Walnut Cabin w/ Game Room & Hot Tub House | 3 bd · 2.5 ba · sleeps 10 | $48,080 | $525 | 25% | 5★ (76) | 367 ft | AirbnbVrbo |
LUXE | Big Bear Modern Cabin w/HotTub & Near Lake House | 3 bd · 3 ba · sleeps 7 | $10,974 | $393 | 8% | 4.5★ (17) | 400 ft | Airbnb |
Lakefront, Hot Tub, Pool Table, Walk to Village Cabin | 3 bd · 2 ba · sleeps 9 | $9,221 | $710 | 4% | 4.3★ (7) | 400 ft | AirbnbBooking |
LUXE | Big Bear Home w/HotTub House | 3 bd · 3 ba · sleeps 7 | $14,346 | $421 | 9% | 4.1★ (9) | 427 ft | Airbnb |
Lazy Bear Cabin | 3 bd · 2 ba · sleeps 8 | $24,192 | $558 | 12% | 5★ (24) | 479 ft | Airbnb |
Mountain Fun Cabin Centrally Located Tesla Charger Cabin | 3 bd · 2 ba · sleeps 8 | $27,811 | $290 | 26% | 4.7★ (47) | 0.1 mi | AirbnbVrboBooking |
Expansive BB Lake View Cabin w/ Hot tub! #20250487 House | 3 bd · 2.5 ba · sleeps 10 | $53,222 | $379 | 38% | 4.9★ (204) | 0.1 mi | AirbnbVrbo |
Cozy 3 Bedroom! Walk to Lake and Meadow Park! Spa! House | 3 bd · 2 ba · sleeps 6 | $29,540 | $342 | 24% | 4.9★ (34) | 0.1 mi | AirbnbVrbo |
Show all 50 comps
165 - Orioles Nest
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $23,050ADR $363Occ ≈ 17%—
Newly Renovated 3 Three Bedroom Two Bath home. New Outdoor Hot Tub, Firepit, clo
House · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $7,146ADR $328Occ ≈ 6%—
Newly Renovated 3 Three Bedroom Two Bath home. New Outdoor Hot Tub, Firepit, clo
House · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $6,255ADR $297Occ ≈ 6%5★ (2)
Big Red Den- Spa! Near Lake & Skiing! Fenced Yard!
Cabin · 3 bd · 3 ba · sleeps 8 · 0.2 mi
Revenue $56,808ADR $307Occ ≈ 51%4.8★ (225)
Great location! Sprawling view of nature preserve
House · 3 bd · 2 ba · sleeps 11 · 0.2 mi
Revenue $52,601ADR $616Occ ≈ 23%5★ (113)
Enjoy Eagle's Haven! Lake View - Pet Friendly - Walk to Park & Lake - Hot Tub
Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $31,124ADR $380Occ ≈ 22%4.9★ (204)
Big Bear Lake House License# VRR-2025-1476
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $11,589ADR $353Occ ≈ 9%4.7★ (139)
Enchanting Mountain Cabin Retreat near Big Bear Lake & Meadow Park, California
Cabin · 3 bd · 3 ba · sleeps 11 · 0.4 mi
Revenue $8,809ADR $421Occ ≈ 6%—
All about fun #1149
Vacation home · 3 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $140,168ADR $951Occ ≈ 40%—
Meadow View Escape | Hot Tub+Game Room+By the Lake
Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $73,248ADR $291Occ ≈ 69%4.9★ (347)
Llama Bear Lodge with Hot Tub
Vacation home · 3 bd · 2 ba · sleeps 15 · 0.4 mi
Revenue $94,361ADR $520Occ ≈ 50%—
Centrally-located pet-friendly cabin with private hot tub, game room and more!
Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $4,889ADR $315Occ ≈ 4%4.3★ (33)
Lakefront home with views and large yard, BBQ, pool table, games and more
Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $7,434ADR $290Occ ≈ 7%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Mountain Fun Retreat Big Bear- Hot Tub- Games Cabin | 3 bd · 2 ba · sleeps 8 | $64,033 | $666 | 26% | 4.5★ (39) | 0.1 mi | AirbnbBooking |
The Ginger Lodge:Close to Summit! Spa! Pool table! House | 3 bd · 3 ba · sleeps 8 | $55,766 | $315 | 49% | 4.9★ (40) | 0.2 mi | AirbnbVrbo |
New Outdoor Hot Tub Firepit close to Slopes House | 3 bd · 2 ba · sleeps 7 | $39,870 | $409 | 27% | 4.8★ (7) | 0.2 mi | AirbnbVrbo |
165 - Orioles Nest Vacation home | 3 bd · 2 ba · sleeps 7 | $23,050 | $363 | 17% | — | 0.2 mi | Booking |
Newly Renovated 3 Three Bedroom Two Bath home. New Outdoor Hot Tub, Firepit, clo House | 3 bd · 2 ba · sleeps 7 | $7,146 | $328 | 6% | — | 0.2 mi | Vrbo |
Newly Renovated 3 Three Bedroom Two Bath home. New Outdoor Hot Tub, Firepit, clo House | 3 bd · 2 ba · sleeps 7 | $6,255 | $297 | 6% | 5★ (2) | 0.2 mi | Vrbo |
Multi-level Home w/ Water Views! 4th Of July Views House | 3 bd · 3 ba · sleeps 10 | $63,264 | $512 | 34% | 4.7★ (17) | 0.2 mi | AirbnbVrboBooking |
Cozy Eagle | Lake Views · New Spa · Fireplace Cabin | 3 bd · 2.5 ba · sleeps 7 | $75,913 | $391 | 53% | 4.8★ (96) | 0.2 mi | AirbnbVrboBooking |
Big Red Den- Spa! Near Lake & Skiing! Fenced Yard! Cabin | 3 bd · 3 ba · sleeps 8 | $56,808 | $307 | 51% | 4.8★ (225) | 0.2 mi | Airbnb |
Great location! Sprawling view of nature preserve House | 3 bd · 2 ba · sleeps 11 | $52,601 | $616 | 23% | 5★ (113) | 0.2 mi | Airbnb |
Central Cabin w/ Fireplace & Foosball Cabin | 3 bd · 1.5 ba · sleeps 6 | $22,068 | $246 | 25% | 4.3★ (19) | 0.3 mi | AirbnbVrboBooking |
Big Bear Lake Oasis: Hot Tub, Fire-Pit, Meadow House | 3 bd · 2 ba · sleeps 7 | $5,196 | $298 | 5% | 5★ (6) | 0.3 mi | AirbnbVrbo |
Cozy 3BR Eagle Point w/ 2 Baths – Near Lake & Ski! Cottage | 3 bd · 2 ba · sleeps 6 | $8,746 | $257 | 9% | 4.6★ (113) | 0.3 mi | AirbnbVrbo |
Pet-friendly cabin with spaGame room and more Cabin | 3 bd · 2 ba · sleeps 8 | $46,068 | $388 | 33% | 4.5★ (26) | 0.3 mi | AirbnbVrboBooking |
Enjoy Eagle's Haven! Lake View - Pet Friendly - Walk to Park & Lake - Hot Tub Cabin | 3 bd · 2 ba · sleeps 8 | $31,124 | $380 | 22% | 4.9★ (204) | 0.3 mi | Vrbo |
Red Robin W — Hot Tub Retreat Near Big Bear Lake House | 3 bd · 2 ba · sleeps 7 | $42,531 | $247 | 47% | 4.7★ (83) | 0.3 mi | AirbnbVrboBooking |
Big Bear Lake House License# VRR-2025-1476 House | 3 bd · 2 ba · sleeps 8 | $11,589 | $353 | 9% | 4.7★ (139) | 0.3 mi | Airbnb |
Eagle's Nest Cabin: Pool Table, Near Summit & Lake Cabin | 3 bd · 2.5 ba · sleeps 11 | $15,530 | $343 | 12% | 4.8★ (134) | 0.3 mi | AirbnbVrboBooking |
Eagles Nest Cottage Cabin | 3 bd · 2.5 ba · sleeps 6 | $6,419 | $457 | 4% | 4.9★ (30) | 0.3 mi | AirbnbVrbo |
Rustic Ridge. Spa. Gameroom. Walk to park and Lake House | 3 bd · 3 ba · sleeps 10 | $23,604 | $432 | 15% | 4.5★ (23) | 0.3 mi | AirbnbVrboBooking |
All Newly Renovated 3 Bedroom Cabin With Hot Tub Cabin | 3 bd · 2 ba · sleeps 7 | $54,335 | $365 | 41% | 5★ (129) | 0.3 mi | AirbnbVrbo |
Osa Villa: Lake View! Walk to Meadow Park & Lake! House | 3 bd · 2.5 ba · sleeps 7 | $16,428 | $230 | 20% | 4.8★ (49) | 0.3 mi | AirbnbVrbo |
Beautiful Cabin w/PRIME LAKE and MOUNTAIN Access! House | 3 bd · 2 ba · sleeps 8 | $29,853 | $375 | 22% | 4.8★ (164) | 0.4 mi | AirbnbVrbo |
Enchanting Mountain Cabin Retreat near Big Bear Lake & Meadow Park, California Cabin | 3 bd · 3 ba · sleeps 11 | $8,809 | $421 | 6% | — | 0.4 mi | Vrbo |
Steps to Park, Hot Tub, Close to Lake and Slopes. House | 3 bd · 3 ba · sleeps 11 | $66,018 | $403 | 45% | 5★ (49) | 0.4 mi | AirbnbVrbo |
All about fun #1149 Vacation home | 3 bd · 3 ba · sleeps 10 | $140,168 | $951 | 40% | — | 0.4 mi | Booking |
Walk to Lake 3BR/3BA | Arcade, Pool Table & Spa Cabin | 3 bd · 3 ba · sleeps 10 | $87,230 | $698 | 34% | 4.6★ (11) | 0.4 mi | AirbnbVrbo |
All About Fun- Family Cabin- Arcade- Hot Tub Cabin | 3 bd · 3 ba · sleeps 10 | $72,645 | $872 | 23% | 4.5★ (22) | 0.4 mi | AirbnbBooking |
Live Love Lake Cabin | Hot Tub & Walk to Village House | 3 bd · 3 ba · sleeps 10 | $44,102 | $438 | 28% | 5★ (16) | 0.4 mi | AirbnbVrbo |
Meadow View Escape | Hot Tub+Game Room+By the Lake Cabin | 3 bd · 2 ba · sleeps 8 | $73,248 | $291 | 69% | 4.9★ (347) | 0.4 mi | Airbnb |
Pickle Ball across the street, Steps 2 Lake/Park Cabin | 3 bd · 1.5 ba · sleeps 5 | $11,514 | $310 | 10% | 4.8★ (18) | 0.4 mi | AirbnbVrbo |
Spa Central AC-Heat Fenced Yard EVC Pup friendly House | 3 bd · 2 ba · sleeps 7 | $62,562 | $244 | 70% | 5★ (196) | 0.4 mi | AirbnbVrbo |
5-Minute Walk to Fireworks! Foosball Table Cabin | 3 bd · 2 ba · sleeps 10 | $9,491 | $454 | 6% | 4.8★ (15) | 0.4 mi | AirbnbBooking |
Lakeside Retreat, walking distance to Bear Lake! House | 3 bd · 2 ba · sleeps 8 | $16,407 | $541 | 8% | 4.7★ (19) | 0.4 mi | AirbnbVrboBooking |
Llama Bear Lodge with Hot Tub Vacation home | 3 bd · 2 ba · sleeps 15 | $94,361 | $520 | 50% | — | 0.4 mi | Booking |
Llama Bear Epic Game Room, Hot Tub & Lake Views Cabin | 3 bd · 2.5 ba · sleeps 8 | $77,468 | $456 | 47% | 5★ (49) | 0.4 mi | AirbnbVrbo |
Centrally-located pet-friendly cabin with private hot tub, game room and more! Cabin | 3 bd · 2 ba · sleeps 8 | $4,889 | $315 | 4% | 4.3★ (33) | 0.4 mi | Vrbo |
Lakefront home with views and large yard, BBQ, pool table, games and more Cabin | 3 bd · 2 ba · sleeps 8 | $7,434 | $290 | 7% | — | 0.4 mi | Vrbo |
Eagles Nest Big Bear Lake near slopes & sport park House | 3 bd · 2.5 ba · sleeps 11 | $34,907 | $281 | 34% | 5★ (31) | 0.4 mi | AirbnbVrbo |
Mountain Air Vacation home | 3 bd · 2 ba · sleeps 6 | $15,691 | $217 | 20% | — | 0.4 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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$38,124
NOI
$10,385
Cash flow /mo
-$3,440
Cash needed
$251,210
Cash-on-cash
-16.4%
ROE (yr 1)
-4.8%
Cap rate
1.3%
DSCR
0.20
Year-1 write-off
$182,460
Year-1 tax shield @ 32%
$58,387
Year-1 return on equity
- Cash flow (annual)-$41,281
- Principal paydown$5,229
- Appreciation at%$23,970
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,625
- Platform fees (3% of revenue)$1,144
- Maintenance / capex (5% of revenue)$1,906
- Utilities & supplies$4,200
- HOA$0
- Property tax$9,988
- Insurance (STR-rated)$4,075
Cash needed to close
- Down payment (25%)$199,750
- Closing costs (4.0%)$31,960
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$58,387
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
$639,000
Short-life (5/15-yr)
$161,000 · 25%
Year-1 deduction
$182,000
Year-1 tax shield @ 32%
$58,000
Land 20% (county tax record, assessed value split) · building $478,000 over 39 years · new furniture $20,000
Based on: 1,624 sq ft, built 1970, 3 bd / 2.5 ba, unfurnished, listing features (fence, fireplace, stone counters, appliance list).
IRS-guide safe-harbor floor: $132,000 in year 1 (17% short-life, $42,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $18,700
Kitchen cabinetsdefault
$9,400 new × 40% good × 4.99 allocation
- $19,100
Kitchen countertops (stone)listing
$9,600 new × 40% good × 4.99 allocation
- $5,700
Decorative trimdefault
$2,800 new × 40% good × 4.99 allocation
- $600
Mirrorsdefault
$300 new × 40% good × 4.99 allocation
- $2,400
Shelvingdefault
$1,200 new × 40% good × 4.99 allocation
- $8,000
Window coverings (16)default
$4,000 new × 40% good × 4.99 allocation
- $8,300
Carpet, vinyl & laminate (40% of floors)default
$4,200 new × 40% good × 4.99 allocation
- $14,500
Kitchen & laundry equipment plumbingdefault
$7,300 new × 40% good × 4.99 allocation
- $8,800
Kitchen, laundry & data equipment electricaldefault
$4,400 new × 40% good × 4.99 allocation
- $11,400
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 4.99 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $20,900
Paving: driveway & walks (paved)listing
$8,400 new × 50% good × 4.99 allocation
- $20,100
Landscaping (typical)default
$8,000 new × 50% good × 4.99 allocation
- $4,000
Patiosdefault
$1,600 new × 50% good × 4.99 allocation
- $4,000
Decks & porches (attached)default
$1,600 new × 50% good × 4.99 allocation
- $15,000
Fencinglisting
$6,000 new × 50% good × 4.99 allocation
- $351,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$175,900 new × 40% good × 4.99 allocation
- $36,400
Building plumbing & fixturesdefault
$18,300 new × 40% good × 4.99 allocation
- $35,700
Building electrical & lightingdefault
$17,900 new × 40% good × 4.99 allocation
- $36,500
HVACdefault
$18,300 new × 40% good × 4.99 allocation
- $12,500
Hardwood & tile floorsdefault
$6,300 new × 40% good × 4.99 allocation
- $5,300
Fireplacelisting
$2,600 new × 40% good × 4.99 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $117,000 | $63,900 | $1,500 | $182,500 |
| 2 | $0 | $0 | $12,300 | $12,300 |
| 3 | $0 | $0 | $12,300 | $12,300 |
| 4 | $0 | $0 | $12,300 | $12,300 |
| 5 | $0 | $0 | $12,300 | $12,300 |
| 6+ | $0 | $0 | $427,200 | $427,200 |
| Total | $117,000 | $63,900 | $477,800 | $658,700 |
The building's share of the price ($639,000) is 5.0x our depreciated replacement cost of the home ($128,000). 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.