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Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium

1101 W Country Club Blvd

1101 W Country Club Blvd

Big Bear City, CA 92314

$285,000

2 bd · 1 ba · Listed 11d ago

View on Realtor.com →
Low confidenceNegative cash flow

Year built

1958

Sqft

—

Lot sqft

5,000

HOA / mo

None

Furnished

Yes

List date

2026-09-18T19:13:48.000000Z

Revenue

Annual revenue

$25,361

ADR

$197

Occupancy

35%

Cleaning fees (12 mo)

$6,150

Confidence

Low (37.83), 50 comps

Comp revenue range (p25 / median / p75)

$12,741$24,952$33,204
  • Eagles Nest - Contemporary Vacation Getaway

    House · 2 bd · 1 ba · sleeps 5 · 292 ft

    Revenue $28,607ADR $227Occ ≈ 35%4.8★ (157)

    Airbnb

  • Cozy Cabin-Close to Lake, Hikes, Village, Speedway

    Cabin · 2 bd · 1 ba · sleeps 6 · 315 ft

    Revenue $8,940ADR $231Occ ≈ 11%5★ (96)

    Airbnb

  • Aeroplane Gambrel Chalet- Adorable Airport Retreat Cottage

    Vacation home · 2 bd · 2 ba · sleeps 4 · 331 ft

    Revenue $12,451ADR $288Occ ≈ 12%—

    Booking

  • Aeroplane Gambrel Chalet- Adorable Airport Retreat

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 335 ft

    Revenue $13,611ADR $405Occ ≈ 9%3★ (4)

    AirbnbVrboBooking

  • Modern Big Bear Cabin w/ Fireplace + Fenced Yard

    Cabin · 2 bd · 2 ba · sleeps 6 · 335 ft

    Revenue $6,611ADR $371Occ ≈ 5%4.8★ (13)

    AirbnbVrboBooking

  • Modern Mountain Retreat+Firepl+Location

    House · 2 bd · 1 ba · sleeps 6 · 351 ft

    Revenue $43,922ADR $181Occ ≈ 66%4.8★ (142)

    AirbnbVrbo

  • Spacious cozy chalet huge deck over seasonal creek

    Chalet · 2 bd · 1.5 ba · sleeps 8 · 400 ft

    Revenue $16,991ADR $219Occ ≈ 21%4.8★ (133)

    Airbnb

  • Mountain Deer Cabin | Foosball · Fenced Yard

    Cabin · 2 bd · 2 ba · sleeps 6 · 400 ft

    Revenue $3,804ADR $279Occ ≈ 4%5★ (4)

    AirbnbVrboBooking

  • Fenced yard | Pets ok | Firepit | ski slope

    Cabin · 2 bd · 1 ba · sleeps 4 · 420 ft

    Revenue $14,539ADR $209Occ ≈ 19%4.9★ (293)

    Airbnb

  • Cozy Mountain Cabin Retreat with Outdoor Fun & Relaxing Scenic Escape in Big Bear Lake, California

    Vacation home · 2 bd · 2 ba · sleeps 6 · 463 ft

    Revenue $2,172ADR $362Occ ≈ 2%—

    Booking

Show all 50 comps
  • Aerobear Den • Fenced • Pup Friendly |

    House · 2 bd · 1 ba · sleeps 4 · 476 ft

    Revenue $25,420ADR $218Occ ≈ 32%4.8★ (321)

    AirbnbVrbo

  • Fairway Landing-Hot tub, close to Village and Ski

    Cabin · 2 bd · 1 ba · sleeps 6 · 512 ft

    Revenue $28,794ADR $217Occ ≈ 36%4.7★ (73)

    Airbnb

  • Polar Cottage

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $40,688ADR $155Occ ≈ 72%4.8★ (23)

    AirbnbVrbo

  • Big Bear Yellow Tulip

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi

    Revenue $4,928ADR $201Occ ≈ 7%4.6★ (68)

    Airbnb

  • Modern Getaway, 2 blocks away from Snowplay

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $35,327ADR $199Occ ≈ 49%4.8★ (672)

    Airbnb

  • PikkuBear: Spa, Arcade, FencedYard, Firepit

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $32,242ADR $263Occ ≈ 34%4.7★ (90)

    AirbnbVrbo

  • Big Bear: Close to the Lake, Hiking and Pedal Path

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.1 mi

    Revenue $67,296ADR $223Occ ≈ 83%4.9★ (547)

    Airbnb

  • Cozy Big Bear Cabin w/ Hot Tub & Outdoor Kitchen!

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $45,969ADR $174Occ ≈ 72%4.8★ (132)

    AirbnbVrboBooking

  • Cozy romantic or family getaway.

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $18,079ADR $140Occ ≈ 35%4.8★ (355)

    Airbnb

  • HotTub/GameRoom With King Bed!

    House · 2 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $27,796ADR $267Occ ≈ 29%5★ (78)

    AirbnbVrboBooking

  • Big Bear Fun on the Runway

    House · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $3,356ADR $225Occ ≈ 4%5★ (6)

    Airbnb

  • New! Bearadise ~Walk to Convention Center

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi

    Revenue $34,063ADR $157Occ ≈ 59%4.3★ (36)

    AirbnbVrbo

  • Big Bear Fun on the Runway

    House · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $26,744ADR $488Occ ≈ 15%3★ (1)

    AirbnbVrbo

  • Twilight Den Cabin | Spa+EV Charger+FencedYard

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $4,011ADR $423Occ ≈ 3%4.6★ (12)

    AirbnbVrbo

  • Big Bear Ski Hideaway! Cozy Cabin w/ Fenced Yard

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $23,194ADR $175Occ ≈ 36%4.3★ (17)

    AirbnbVrbo

  • Spirited Away Cabin at Big Bear Lake

    Cabin · 2 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $23,479ADR $200Occ ≈ 32%4.8★ (144)

    AirbnbVrboBooking

  • Big Bear Ski Hideaway! Cozy Cabin w/ Fenced Yard

    Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $12,102ADR $126Occ ≈ 26%5★ (2)

    Booking

  • Walk to Oktoberfest/SPA w/Light Shows/Fenced Deck

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $10,721ADR $298Occ ≈ 10%5★ (15)

    AirbnbVrboBooking

  • The Blue Lake Cabin! 1 min Walk to SnowPlay!

    Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $33,525ADR $150Occ ≈ 61%3.2★ (4)

    Booking

  • Cozy 2 bedroom home with mountain view

    House · 2 bd · 1 ba · sleeps 5 · 0.2 mi

    Revenue $22,729ADR $148Occ ≈ 42%4.8★ (38)

    Airbnb

  • Vitamin Bear: Cozy Cabin + Hot Tub + Fenced Yard

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $54,581ADR $249Occ ≈ 60%5★ (147)

    AirbnbVrbo

  • Cozy Cabin! Huge Fenced Yard & Convenient Location

    House · 2 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $27,933ADR $216Occ ≈ 35%4.7★ (153)

    AirbnbVrbo

  • The Blue Cottage, Big Bear

    House · 2 bd · 1 ba · sleeps 8 · 0.2 mi

    Revenue $29,149ADR $197Occ ≈ 41%5★ (77)

    Airbnb

  • THE OHANA at BIG BEAR

    Cabin · 2 bd · 1 ba · sleeps 7 · 0.2 mi

    Revenue $24,071ADR $280Occ ≈ 24%4.9★ (226)

    AirbnbVrbo

  • Lazy Bear Cabin, one block away from Snow Play.

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $29,913ADR $278Occ ≈ 29%5★ (288)

    Airbnb

  • Navigate Stays Hot Tub Nights & Cozy Fire Vibes

    House · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $14,199ADR $278Occ ≈ 14%4.4★ (15)

    Airbnb

  • Cozy Bear Cabin-Walk to Oktoberfest & BB Snow Play

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $12,162ADR $177Occ ≈ 19%4.8★ (282)

    Airbnb

  • AC*Walk 2 Lake, Go-Karts*Dining+Fenced Yard 4 Pets

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $25,840ADR $199Occ ≈ 36%5★ (120)

    AirbnbVrbo

  • Cozy Spa Cabin - 2 Min Walk 2 Snow Play & WiFi

    House · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $55,504ADR $197Occ ≈ 77%4.4★ (102)

    AirbnbVrbo

  • Robinhood Lodge | 5 min to slopes & lake

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi

    Revenue $1,571ADR $174Occ ≈ 2%5★ (4)

    Airbnb

  • Cabin Retreat w/Spa & Large Fenced Yard

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $1,408ADR $333Occ ≈ 1%4.5★ (2)

    Airbnb

  • PonderosaHaus

    House · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $31,750ADR $173Occ ≈ 50%5★ (124)

    AirbnbVrbo

  • Cozy Cabin w Spa, Fenced Yard, Walk to SnowPlay

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $45,441ADR $256Occ ≈ 49%4.8★ (106)

    AirbnbVrboBooking

  • Dreamy Cottage, fireplace, spa, pets ok, sleeps 8

    Cabin · 2 bd · 1 ba · sleeps 8 · 0.2 mi

    Revenue $42,159ADR $221Occ ≈ 52%4.7★ (9)

    AirbnbVrbo

  • Snug and Cozy Little Cabin

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi

    Revenue $24,484ADR $197Occ ≈ 34%5★ (215)

    Airbnb

  • The Quonset Cabin

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi

    Revenue $20,107ADR $167Occ ≈ 33%5★ (2)

    Airbnb

  • Robinhood Chalet Cottage at Big Bear Lake

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $25,580ADR $423Occ ≈ 17%4.7★ (17)

    AirbnbVrboBooking

  • Robinhood Chalet Cottage at Big Bear Lake

    Vacation home · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $46,042ADR $560Occ ≈ 23%—

    Booking

  • Walk to Oktoberfest • BBQ • Hot tub • Fire pit • Pets OK

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $34,730ADR $256Occ ≈ 37%4.8★ (63)

    AirbnbVrboBooking

  • Navigate Stays Hot Tub Nights & Cozy Fire Vibes

    House · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $17,271ADR $357Occ ≈ 13%4.2★ (6)

    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

Financing
Term

Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium

Est. revenue

$25,361

NOI

$9,471

Cash flow /mo

-$746

Cash needed

$82,650

Cash-on-cash

-10.8%

ROE (yr 1)

1.8%

Cap rate

3.3%

DSCR

0.51

Year-1 write-off

$69,412

Year-1 tax shield @ 32%

$22,212

Year-1 return on equity

  • Cash flow (annual)-$8,958
  • Principal paydown$1,865
  • Appreciation at%$8,550
ROE1.8%
ROE incl. year-1 tax savings (32% bracket, STR loophole)28.6%
Opex, cash-needed & tax-savings breakdown

Annual operating expenses

  • Management (20% of revenue)$5,072
  • Platform fees (3% of revenue)$761
  • Maintenance / capex (5% of revenue)$1,268
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$3,563
  • Insurance (STR-rated)$1,454

Cash needed to close

  • Down payment (25%)$71,250
  • Closing costs (4.0%)$11,400
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$22,212

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

$224,000

Short-life (5/15-yr)

$69,000 · 31%

Year-1 deduction

$69,000

Year-1 tax shield @ 32%

$22,000

Land 22% (county tax record, assessed value split) · building $155,000 over 39 years

Based on: ~1,400 sq ft (from beds), built 1958, 2 bd / 1 ba, furnished, listing features (deck, fireplace, appliance list).

IRS-guide safe-harbor floor: $40,000 in year 1 (18% short-life, $13,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$38,600
  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 1.88 allocation

    $6,700
  • Kitchen countertopsdefault

    $7,300 new × 40% good × 1.88 allocation

    $5,400
  • Decorative trimdefault

    $2,500 new × 40% good × 1.88 allocation

    $1,800
  • Mirrorsdefault

    $200 new × 40% good × 1.88 allocation

    $100
  • Shelvingdefault

    $900 new × 40% good × 1.88 allocation

    $700
  • Window coverings (14)default

    $3,500 new × 40% good × 1.88 allocation

    $2,600
  • Carpet, vinyl & laminate (40% of floors)default

    $3,600 new × 40% good × 1.88 allocation

    $2,700
  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 1.88 allocation

    $5,200
  • Kitchen, laundry & data equipment electricaldefault

    $4,200 new × 40% good × 1.88 allocation

    $3,100
  • Appliances (range, microwave, disposal, refrigerator)listing

    $5,100 new × 40% good × 1.88 allocation

    $3,800
  • Furniture conveyed with the sale (used)listing

    $16,000 new × 40% good · out of the price

    $6,400
15-year land improvements$30,300
  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 1.88 allocation

    $7,300
  • Landscaping (typical)default

    $7,500 new × 50% good × 1.88 allocation

    $7,000
  • Patiosdefault

    $1,400 new × 50% good × 1.88 allocation

    $1,300
  • Decks & porches (attached)listing

    $15,800 new × 50% good × 1.88 allocation

    $14,800
Building, 39-year$154,900
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,900 new × 40% good × 1.88 allocation

    $114,000
  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 1.88 allocation

    $11,800
  • Building electrical & lightingdefault

    $15,000 new × 40% good × 1.88 allocation

    $11,300
  • HVACdefault

    $15,800 new × 40% good × 1.88 allocation

    $11,800
  • Hardwood & tile floorsdefault

    $5,400 new × 40% good × 1.88 allocation

    $4,100
  • Fireplacelisting

    $2,600 new × 40% good × 1.88 allocation

    $2,000

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$38,600$30,300$500$69,400
2$0$0$4,000$4,000
3$0$0$4,000$4,000
4$0$0$4,000$4,000
5$0$0$4,000$4,000
6+$0$0$138,500$138,500
Total$38,600$30,300$154,900$223,800

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.