43067 Monterey St
Big Bear Lake, CA 92315
$409,000
3 bd · 1.5 ba · 1,564 sqft · Listed today
View on Realtor.com →Year built
1972
Sqft
1,564
Lot sqft
5,218
HOA / mo
$0
Furnished
Yes
List date
2026-10-30T02:36:56.000000Z
Revenue
Annual revenue
$37,911
ADR
$307
Occupancy
34%
Cleaning fees (12 mo)
$7,031
Confidence
Low (36.49), 50 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $31,239
Cozy Haven Central Cottage at Big Bear
Vacation home · 3 bd · 2 ba · sleeps 6 · 210 ft
Revenue $37,743ADR $682Occ ≈ 15%—
Moonridge Hideaway near Bear Mountain Resort
Cabin · 3 bd · 1 ba · sleeps 6 · 371 ft
Revenue $12,438ADR $233Occ ≈ 15%4.9★ (10)
Big Bear Cabin*Fireplace*Deck*BBQ*Ski Resort&Lake
Cabin · 3 bd · 1 ba · sleeps 6 · 371 ft
Revenue $4,063ADR $180Occ ≈ 6%4.6★ (5)
Louie Bear | Spa, Bbq, Cozy, Moonridge!
Cabin · 3 bd · 2 ba · sleeps 6 · 374 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $1,966ADR $163Occ ≈ 3%5★ (4)
Winter Getaway Spa Fire-table Close to slopes
Vacation home · 3 bd · 2 ba · sleeps 7 · 407 ft
Revenue $67,887ADR $375Occ ≈ 50%4.9★ (27)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Cozy Haven Central Cottage at Big Bear Vacation home | 3 bd · 2 ba · sleeps 6 | $37,743 | $682 | 15% | — | 210 ft | Booking |
Vacation Art Gallery: Houz of Ozzi (ev charging) Cabin
| 3 bd · 2 ba · sleeps 8 | $47,513 | $297 | 44% | 4.8★ (53) | 230 ft | AirbnbVrboBooking |
Big Bear Mountain Cabin • Hot Tub • Golf & Zoo! House
| 3 bd · 2.5 ba · sleeps 7 | $18,347 | $489 | 10% | 4.8★ (27) | 305 ft | AirbnbVrbo |
Overlook Chalet: Foosball! Peekaboo Slope Views! House
| 3 bd · 2 ba · sleeps 8 | $31,821 | $276 | 32% | 4.9★ (70) | 371 ft | AirbnbVrbo |
Moonridge Hideaway near Bear Mountain Resort Cabin | 3 bd · 1 ba · sleeps 6 | $12,438 | $233 | 15% | 4.9★ (10) | 371 ft | Airbnb |
Big Bear Cabin*Fireplace*Deck*BBQ*Ski Resort&Lake Cabin | 3 bd · 1 ba · sleeps 6 | $4,063 | $180 | 6% | 4.6★ (5) | 371 ft | Airbnb |
Louie Bear | Spa, Bbq, Cozy, Moonridge! Cabin
| 3 bd · 2 ba · sleeps 6 | $1,966 | $163 | 3% | 5★ (4) | 374 ft | Airbnb |
Moonridge: Hot Tub + Fire Table, Slopes/Lake House | 3 bd · 2 ba · sleeps 7 | $52,172 | $269 | 53% | 5★ (335) | 384 ft | AirbnbVrbo |
Winter Getaway Spa Fire-table Close to slopes Vacation home | 3 bd · 2 ba · sleeps 7 | $67,887 | $375 | 50% | 4.9★ (27) | 407 ft | Booking |
Stunning Moonridge Retreat Jacuzzi, firetable, BBQ Cabin | 3 bd · 2 ba · sleeps 8 | $39,129 | $310 | 35% | 4.8★ (206) | 456 ft | AirbnbVrbo |
Show 40 more
Nit's Cabin | by Snow Summit and Big Bear Airport
House · 3 bd · 2 ba · sleeps 6 · 456 ft
Revenue $14,183ADR $335Occ ≈ 12%4.8★ (7)
Bear’s Lair by AvantStay | 3mins to Bear Mountain
Cabin · 3 bd · 1.5 ba · sleeps 6 · 469 ft
Revenue $2,604ADR $309Occ ≈ 2%—
Delisted
Nine Pines Lodge Retreat in the Pines at Big Bear
Vacation home · 3 bd · 2 ba · sleeps 8 · 522 ft
Revenue $34,829ADR $574Occ ≈ 17%—
Large Deck • Firepit • 3 Mins to Bear Mountain
Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.1 mi
Revenue $3,271ADR $239Occ ≈ 4%—
Delisted
Welcome to the Moonridge Chalet
House · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $18,788ADR $245Occ ≈ 21%4.8★ (40)
Switzerland - Close to Slopes & Zoo, Fireplace, Deck, Barbecue
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $24,956ADR $422Occ ≈ 16%—
Charming 3BR Cabin -Quiet Hot Tub close to slopes
Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $50,941ADR $287Occ ≈ 49%4.8★ (201)
Bear Moon Manor with a Hot Tub
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $78,247ADR $342Occ ≈ 63%—
Walk to Bear Mtn. Jacuzzi New Kitchen King Bed
Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $29,849ADR $279Occ ≈ 29%4.8★ (261)
Cabin on the Corner
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $15,990ADR $284Occ ≈ 15%4.9★ (100)
The perfect gathering place for family & friends!
Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $92,419ADR $715Occ ≈ 35%5★ (173)
Delisted
Golf & Ski Retreat at Bear Mountain by Big Bear Vacations
Vacation home · 3 bd · 2 ba · sleeps 9 · 0.2 mi
Revenue $55,303ADR $620Occ ≈ 24%—
1443-Golf & Ski Retreat
Cabin · 3 bd · 2 ba · sleeps 9 · 0.2 mi
Revenue $56,316ADR $535Occ ≈ 29%—
Cozy Big Bear Cabin near town & BearMtn Ski Resort
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $19,834ADR $224Occ ≈ 24%4.8★ (355)
kayak, SUP Boards, Hot Tub, Games Room, Central
Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $72,535ADR $471Occ ≈ 42%5★ (47)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Nit's Cabin | by Snow Summit and Big Bear Airport House | 3 bd · 2 ba · sleeps 6 | $14,183 | $335 | 12% | 4.8★ (7) | 456 ft | Airbnb |
Modern, Hot Tub, Baby Items, Kids Play Set Cabin | 3 bd · 2 ba · sleeps 6 | $1,292 | $0 | — | 4.9★ (12) | 459 ft | AirbnbBooking |
Bear’s Lair by AvantStay | 3mins to Bear Mountain Cabin | 3 bd · 1.5 ba · sleeps 6 | $2,604 | $309 | 2% | — | 469 ft | Delisted |
La Grande Ourse-Beautiful 3 Bedroom - Spa - Fire Pit House | 3 bd · 2 ba · sleeps 6 | $22,693 | $413 | 15% | 4.8★ (44) | 469 ft | AirbnbVrbo |
Nine Pines Lodge Retreat in the Pines at Big Bear Vacation home | 3 bd · 2 ba · sleeps 8 | $34,829 | $574 | 17% | — | 522 ft | Booking |
Large Deck • Firepit • 3 Mins to Bear Mountain Cabin
| 3 bd · 1.5 ba · sleeps 6 | $39,832 | $322 | 34% | 4.7★ (54) | 0.1 mi | AirbnbVrboBooking |
Walk to Bear Mtn | Hot Tub + Game Room Chalet
| 3 bd · 2 ba · sleeps 8 | $23,402 | $393 | 16% | 4.2★ (20) | 0.1 mi | AirbnbVrboBooking |
Cozy Cabin perfect for 2 Families Cabin | 3 bd · 2.5 ba · sleeps 7 | $58,281 | $252 | 63% | 4.7★ (76) | 0.1 mi | AirbnbVrboBooking |
Under the Starry Skies Cabin | 3 bd · 1.5 ba · sleeps 10 | $24,524 | $209 | 32% | 4.7★ (60) | 0.1 mi | AirbnbVrbo |
Blissful Butte Retreat A Modern Winter Escape House | 3 bd · 1.5 ba · sleeps 8 | $35,418 | $243 | 40% | 5★ (12) | 0.1 mi | AirbnbBooking |
Silver Lining / SPA & EV Prime Location Moonridge Cabin
| 3 bd · 2 ba · sleeps 6 | $37,924 | $228 | 46% | 4.8★ (64) | 0.1 mi | AirbnbVrboBooking |
Big Deck Energy, VIEWS, private sled hill + hottub House | 3 bd · 2.5 ba · sleeps 8 | $40,879 | $412 | 27% | 5★ (429) | 0.1 mi | AirbnbVrbo |
NEW Hot Tub • Central Heat • NearZoo • Fenced Yard Cabin
| 3 bd · 2 ba · sleeps 6 | $30,657 | $288 | 29% | 4.9★ (67) | 0.1 mi | AirbnbVrbo |
Large Deck • Firepit • 3 Mins to Bear Mountain Cabin | 3 bd · 1.5 ba · sleeps 6 | $3,271 | $239 | 4% | — | 0.1 mi | Delisted |
Huge Yard • Hot Tub • EV • Fire Pit • Treehouse Cabin | 3 bd · 2 ba · sleeps 6 | $87,403 | $419 | 57% | 5★ (68) | 0.1 mi | AirbnbVrbo |
Amazing Views, Hot Tub, Foosball, Barbecue Cabin | 3 bd · 2 ba · sleeps 8 | $87,540 | $774 | 31% | 4.8★ (17) | 0.1 mi | AirbnbBooking |
Welcome to the Moonridge Chalet House | 3 bd · 2 ba · sleeps 7 | $18,788 | $245 | 21% | 4.8★ (40) | 0.1 mi | Airbnb |
Sunshine Cabin: Comfortable, Cozy 2-Story Getaway Cabin
| 3 bd · 1 ba · sleeps 6 | $23,598 | $211 | 31% | 4.1★ (27) | 0.1 mi | AirbnbVrboBooking |
Switzerland - Close to Slopes & Zoo, Fireplace, Deck, Barbecue Vacation home | 3 bd · 2 ba · sleeps 6 | $24,956 | $422 | 16% | — | 0.1 mi | Booking |
Mountain Chic Cabin: Scenic Deck, Trails & Hot Tub Cabin
| 3 bd · 2.5 ba · sleeps 8 | $41,452 | $514 | 22% | 4.9★ (100) | 0.1 mi | AirbnbVrbo |
Summit Views-Mins from Bear Mtn., Golf, and Zoo Cabin
| 3 bd · 2 ba · sleeps 6 | $23,276 | $256 | 25% | 4.9★ (17) | 0.1 mi | AirbnbVrbo |
Hot Tub, 2 Fireplaces, Covered Patio Cabin | 3 bd · 2 ba · sleeps 6 | $22,806 | $326 | 19% | 4.2★ (13) | 0.1 mi | AirbnbBooking |
Cozy 3 Bed, 1 Bath Cabin. Just $10 Per Pet Per Nt. House
| 3 bd · 1 ba · sleeps 6 | $34,656 | $169 | 56% | 4.8★ (316) | 0.1 mi | AirbnbVrbo |
Charming 3BR Cabin -Quiet Hot Tub close to slopes Cabin
| 3 bd · 2 ba · sleeps 8 | $50,941 | $287 | 49% | 4.8★ (201) | 0.2 mi | Airbnb |
Bear Moon Manor with a Hot Tub Vacation home | 3 bd · 2 ba · sleeps 7 | $78,247 | $342 | 63% | — | 0.2 mi | Booking |
Walk to Bear Mtn. Jacuzzi New Kitchen King Bed Cabin | 3 bd · 2 ba · sleeps 7 | $29,849 | $279 | 29% | 4.8★ (261) | 0.2 mi | Airbnb |
Classic Cabin Feel, Modern Comfort Cabin
| 3 bd · 2 ba · sleeps 8 | $20,753 | $360 | 16% | 4.5★ (13) | 0.2 mi | AirbnbVrboBooking |
Bear Hug Hideaway Cabin
| 3 bd · 2 ba · sleeps 8 | $39,211 | $343 | 31% | 4.9★ (167) | 0.2 mi | AirbnbVrbo |
Cabin on the Corner House | 3 bd · 2 ba · sleeps 8 | $15,990 | $284 | 15% | 4.9★ (100) | 0.2 mi | Booking |
Panoramic Views • Hot Tub • Moonridge • 3BR Cabin
| 3 bd · 2 ba · sleeps 8 | $68,550 | $304 | 62% | 5★ (52) | 0.2 mi | AirbnbVrbo |
The perfect gathering place for family & friends! Cabin | 3 bd · 2 ba · sleeps 8 | $92,419 | $715 | 35% | 5★ (173) | 0.2 mi | Delisted |
Cabin Home+Hot Tub+Tesla Charger+ WiFi+Fireplace Cabin
| 3 bd · 2 ba · sleeps 7 | $30,182 | $442 | 19% | 4.3★ (11) | 0.2 mi | AirbnbVrbo |
Moonridge Family Lodge, Sleeps 8, Pool Table Cabin
| 3 bd · 2 ba · sleeps 8 | $22,911 | $325 | 19% | 5★ (43) | 0.2 mi | AirbnbVrbo |
Golf & Ski Retreat at Bear Mountain by Big Bear Vacations Vacation home | 3 bd · 2 ba · sleeps 9 | $55,303 | $620 | 24% | — | 0.2 mi | Booking |
1443-Golf & Ski Retreat Cabin | 3 bd · 2 ba · sleeps 9 | $56,316 | $535 | 29% | — | 0.2 mi | Booking |
Golf & Ski Retreat: 3BR w/ Deck, Fire Pit & Views Cabin
| 3 bd · 2 ba · sleeps 9 | $26,327 | $450 | 16% | 4.3★ (35) | 0.2 mi | AirbnbVrbo |
Cozy Big Bear Cabin near town & BearMtn Ski Resort House | 3 bd · 2 ba · sleeps 6 | $19,834 | $224 | 24% | 4.8★ (355) | 0.2 mi | Airbnb |
kayak, SUP Boards, Hot Tub, Games Room, Central Cabin
| 3 bd · 2 ba · sleeps 8 | $72,535 | $471 | 42% | 5★ (47) | 0.2 mi | Airbnb |
Cute! Lower Moonridge! Walk to Zoo-Golf-Slopes ADS Cabin | 3 bd · 2 ba · sleeps 7 | $23,517 | $443 | 15% | 4.6★ (76) | 0.2 mi | AirbnbBooking |
Moose Mountain Manor Ski Retreat w/ Hot Tub Cabin | 3 bd · 2 ba · sleeps 6 | $56,036 | $407 | 38% | 4.2★ (15) | 0.2 mi | AirbnbBooking |
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 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium
Est. revenue
$37,911
NOI
$16,511
Cash flow /mo
-$873
Cash needed
$118,610
Cash-on-cash
-8.8%
ROE (yr 1)
3.7%
Cap rate
4.0%
DSCR
0.61
Year-1 write-off
$120,785
Year-1 tax shield @ 32%
$38,651
Year-1 return on equity
- Cash flow (annual)-$10,473
- Principal paydown$2,568
- Appreciation at%$12,270
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)$7,582
- Platform fees (3% of revenue)$1,137
- Maintenance / capex (5% of revenue)$1,896
- Utilities & supplies$4,200
- HOA$0
- Property tax$5,113
- Insurance (STR-rated)$2,086
Cash needed to close
- Down payment (25%)$102,250
- Closing costs (4.0%)$16,360
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$38,651
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
$329,000
Short-life (5/15-yr)
$121,000 · 37%
Year-1 deduction
$121,000
Year-1 tax shield @ 32%
$39,000
Land 20% (county tax record, assessed value split) · building $209,000 over 39 years
Based on: 1,564 sq ft, built 1972, 3 bd / 1.5 ba, furnished, listing features (hot tub, deck, patio, fence, game room, fireplace, stone counters, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $80,000 in year 1 (24% short-life, $26,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,500
Kitchen cabinetsdefault
$9,200 new × 40% good × 2.29 allocation
- $8,600
Kitchen countertops (stone)listing
$9,400 new × 40% good × 2.29 allocation
- $2,500
Decorative trimdefault
$2,700 new × 40% good × 2.29 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 2.29 allocation
- $1,100
Shelvingdefault
$1,200 new × 40% good × 2.29 allocation
- $3,700
Window coverings (16)default
$4,000 new × 40% good × 2.29 allocation
- $6,100
Carpet, vinyl & laminate (67% of floors)listing
$6,700 new × 40% good × 2.29 allocation
- $6,600
Kitchen & laundry equipment plumbingdefault
$7,200 new × 40% good × 2.29 allocation
- $4,000
Kitchen, laundry & data equipment electricaldefault
$4,300 new × 40% good × 2.29 allocation
- $7,400
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.29 allocation
- $8,200
Hot tub (freestanding)listing
$9,000 new × 40% good × 2.29 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $2,400
Game-room equipment (used)listing
$6,000 new × 40% good · out of the price
- $9,400
Paving: driveway & walks (paved)listing
$8,200 new × 50% good × 2.29 allocation
- $9,000
Landscaping (typical)default
$7,900 new × 50% good × 2.29 allocation
- $8,100
Patioslisting
$7,000 new × 50% good × 2.29 allocation
- $20,100
Decks & porches (attached)listing
$17,600 new × 50% good × 2.29 allocation
- $6,900
Fencinglisting
$6,000 new × 50% good × 2.29 allocation
- $155,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$169,500 new × 40% good × 2.29 allocation
- $16,100
Building plumbing & fixturesdefault
$17,600 new × 40% good × 2.29 allocation
- $15,700
Building electrical & lightingdefault
$17,100 new × 40% good × 2.29 allocation
- $16,100
HVACdefault
$17,600 new × 40% good × 2.29 allocation
- $3,100
Hardwood & tile floorsdefault
$3,400 new × 40% good × 2.29 allocation
- $2,400
Fireplacelisting
$2,600 new × 40% good × 2.29 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $67,100 | $53,500 | $200 | $120,800 |
| 2 | $0 | $0 | $5,400 | $5,400 |
| 3 | $0 | $0 | $5,400 | $5,400 |
| 4 | $0 | $0 | $5,400 | $5,400 |
| 5 | $0 | $0 | $5,400 | $5,400 |
| 6+ | $0 | $0 | $187,100 | $187,100 |
| Total | $67,100 | $53,500 | $208,700 | $329,200 |
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.