43091 Bear Creek Ct
Big Bear Lake, CA 92315
$450,000
3 bd · 3 ba · 1,785 sqft · Listed 1d ago
View on Realtor.com →Year built
1991
Sqft
1,785
Lot sqft
231
HOA / mo
$595
Furnished
Yes
List date
2026-11-11T01:28:50.000000Z
Revenue
Annual revenue
$32,455
ADR
$305
Occupancy
29%
Cleaning fees (12 mo)
$5,823
Confidence
Low (34), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $26,891
Moonridge Cozy Escape
Townhouse · 3 bd · 3 ba · sleeps 8 · 151 ft
Revenue $30,000ADR $471Occ ≈ 17%4.8★ (4)
Delisted
Beautiful golf course townhome just a short walk to ski slopes, BBQ + more
House · 3 bd · 3 ba · sleeps 8 · 220 ft
Revenue $2,833ADR $237Occ ≈ 3%—
Delisted
Beautiful golf course townhome just a short walk to ski slopes, BBQ + more
House · 3 bd · 3 ba · sleeps 8 · 243 ft
Revenue $1,468ADR $201Occ ≈ 2%4.3★ (23)
Delisted
Sunny Side Up - Golf & Ski Townhouse at Bear Mountain Resorts
Vacation home · 3 bd · 3 ba · sleeps 6 · 397 ft
Revenue $46,075ADR $759Occ ≈ 17%—
Private Hot Tub • Outdoor Dining • Near Village
House · 3 bd · 2.5 ba · sleeps 10 · 479 ft
Revenue $1,323ADR $231Occ ≈ 2%—
Delisted
Bear Mountain Resort Chalet - Walk to Ski/Golf/Hiking- Essentials Included
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $55,794ADR $1,028Occ ≈ 15%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Moonridge Cozy Escape Townhouse | 3 bd · 3 ba · sleeps 8 | $30,000 | $471 | 17% | 4.8★ (4) | 151 ft | Delisted |
Beautiful golf course townhome just a short walk to ski slopes, BBQ + more House | 3 bd · 3 ba · sleeps 8 | $2,833 | $237 | 3% | — | 220 ft | Delisted |
Beautiful golf course townhome just a short walk to ski slopes, BBQ + more House | 3 bd · 3 ba · sleeps 8 | $1,468 | $201 | 2% | 4.3★ (23) | 243 ft | Delisted |
Bluebird Family Ridge Near Zoo, Game Room & BBQ Cabin | 3 bd · 2 ba · sleeps 8 | $51,624 | $323 | 44% | 4.9★ (51) | 285 ft | AirbnbBooking |
Sunny Side Up - Golf & Ski Townhouse at Bear Mountain Resorts Vacation home | 3 bd · 3 ba · sleeps 6 | $46,075 | $759 | 17% | — | 397 ft | Booking |
Private Hot Tub • Outdoor Dining • Near Village House | 3 bd · 2.5 ba · sleeps 10 | $1,323 | $231 | 2% | — | 479 ft | Delisted |
White Pines| Golf Course Views, BBQ & Hot Tub Cabin
| 3 bd · 2 ba · sleeps 6 | $39,536 | $189 | 57% | 4.4★ (13) | 0.1 mi | AirbnbBooking |
Hot Tub + Pines • Near Bear Mtn + Big Bear Lake House
| 3 bd · 2.5 ba · sleeps 10 | $11,291 | $260 | 12% | 4.2★ (4) | 0.1 mi | AirbnbVrboBooking |
Bear Mountain Resort Chalet - Walk to Ski/Golf/Hiking- Essentials Included Vacation home | 3 bd · 2 ba · sleeps 7 | $55,794 | $1,028 | 15% | — | 0.1 mi | Booking |
Bear Mountain Chalet | Walk to Ski & Golf Cabin
| 3 bd · 2 ba · sleeps 7 | $15,962 | $296 | 15% | 3.5★ (13) | 0.1 mi | AirbnbVrboBooking |
Show 24 more
Central A/C, Hot Tub, Sauna, Arcade GameRoom
Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.1 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $78,259ADR $555Occ ≈ 39%4.8★ (63)
Bear Mountain Views Chalet at Big Bear Lake
Chalet · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $33,643ADR $368Occ ≈ 25%1★ (1)
Renovated w/ Hot Tub, Walk to Zoo & Golf, Firepit
House · 3 bd · 2 ba · sleeps 7 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $23,505ADR $253Occ ≈ 25%5★ (8)
Bear Meadow Woods Condo- Walk to Ski Lifts & Golf
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $22,130ADR $546Occ ≈ 11%4.8★ (2)
The Getaway Chalet - Walk to Slopes & Golf Course, Ping Pong, Fireplace, Deck
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $59,318ADR $449Occ ≈ 36%—
LaBass Lodge: Walk to Bear Mtn/Golf Course Pets ok
Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $25,442ADR $211Occ ≈ 33%5★ (83)
Walk to Bear Mtn | Game Room + Fireplace
Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $23,543ADR $367Occ ≈ 18%5★ (10)
Putting green, chef's kitchen, sauna, hot tub
Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +6
Revenue $91,659ADR $502Occ ≈ 50%5★ (220)
Steps 2 Slopes 3 Bd 2 Bath Cuzzi & Pool Table
Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +5
Revenue $25,191ADR $393Occ ≈ 18%5★ (17)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Golf course Townhome Short walk to ski slopesBBQ House | 3 bd · 2.5 ba · sleeps 8 | $25,197 | $269 | 26% | 4.2★ (20) | 0.1 mi | AirbnbBooking |
Central A/C, Hot Tub, Sauna, Arcade GameRoom Cabin
| 3 bd · 2.5 ba · sleeps 10 | $78,259 | $555 | 39% | 4.8★ (63) | 0.1 mi | Airbnb |
Bear Mountain Views Chalet at Big Bear Lake Chalet | 3 bd · 2 ba · sleeps 6 | $33,643 | $368 | 25% | 1★ (1) | 0.1 mi | Booking |
Renovated w/ Hot Tub, Walk to Zoo & Golf, Firepit House
| 3 bd · 2 ba · sleeps 7 | $23,505 | $253 | 25% | 5★ (8) | 0.1 mi | Airbnb |
Bear Meadow Woods Condo- Walk to Ski Lifts & Golf Vacation home | 3 bd · 2 ba · sleeps 6 | $22,130 | $546 | 11% | 4.8★ (2) | 0.1 mi | Booking |
Bear Mountain Views Chalet at Big Bear- Foosball Cabin
| 3 bd · 2 ba · sleeps 6 | $19,909 | $380 | 14% | 3.8★ (11) | 0.1 mi | AirbnbVrboBooking |
Big Bear Lake Cabin with Game Room Cabin | 3 bd · 2 ba · sleeps 10 | $11,964 | $464 | 7% | 2.4★ (3) | 0.1 mi | AirbnbBooking |
Slopes N Greens House | 3 bd · 2 ba · sleeps 7 | $53,271 | $584 | 25% | 5★ (9) | 0.2 mi | Airbnb |
Beautiful Log Cabin Cabin
| 3 bd · 2 ba · sleeps 8 | $38,085 | $247 | 42% | 4.6★ (46) | 0.2 mi | AirbnbVrbo |
The Getaway Chalet - Walk to Slopes & Golf Course, Ping Pong, Fireplace, Deck Vacation home | 3 bd · 2 ba · sleeps 6 | $59,318 | $449 | 36% | — | 0.2 mi | Booking |
LaBass Lodge: Walk to Bear Mtn/Golf Course Pets ok Cabin
| 3 bd · 2 ba · sleeps 8 | $25,442 | $211 | 33% | 5★ (83) | 0.2 mi | Airbnb |
Walk to Bear Mtn | Game Room + Fireplace Cabin | 3 bd · 2 ba · sleeps 6 | $23,543 | $367 | 18% | 5★ (10) | 0.2 mi | Airbnb |
Black Diamond Lodge: Near Bear Mtn,Spa,Wifi,Views House
| 3 bd · 2 ba · sleeps 7 | $56,119 | $304 | 51% | 4.7★ (154) | 0.2 mi | AirbnbVrbo |
Fully Fenced Yard! Pool Table! Log Cabin! House
| 3 bd · 2 ba · sleeps 7 | $51,113 | $300 | 47% | 4.8★ (136) | 0.2 mi | AirbnbVrbo |
Putting green, chef's kitchen, sauna, hot tub Cabin
| 3 bd · 2 ba · sleeps 10 | $91,659 | $502 | 50% | 5★ (220) | 0.2 mi | Airbnb |
Bear Canyon Getaway | Hot Tub & Game Loft Cabin
| 3 bd · 2 ba · sleeps 8 | $10,016 | $296 | 9% | 4.5★ (4) | 0.2 mi | AirbnbVrboBooking |
Bear Canyon: Large Cabin, Beautiful Views & HotTub Cabin | 3 bd · 2 ba · sleeps 8 | $20,943 | $406 | 14% | 4.4★ (15) | 0.2 mi | AirbnbBooking |
Hot tub & game room near Snow Summit House
| 3 bd · 3 ba · sleeps 8 | $71,905 | $442 | 45% | 5★ (41) | 0.2 mi | AirbnbVrboBooking |
Nearby Zoo/Bear Mtn/Spa/Fire pit/Arcade Cabin
| 3 bd · 2 ba · sleeps 7 | $19,567 | $429 | 12% | 5★ (43) | 0.2 mi | AirbnbVrbo |
Moonridge Fun! Walk to Skiing & Golf Cabin
| 3 bd · 2 ba · sleeps 8 | $21,081 | $337 | 17% | 5★ (12) | 0.2 mi | AirbnbVrboBooking |
Walk to Bear Mtn! Pet Friendly! Foosball! House
| 3 bd · 2 ba · sleeps 9 | $37,727 | $317 | 33% | 4.9★ (39) | 0.2 mi | AirbnbVrbo |
On Golf Course -Hot Tub- Game Room-Near Bear Mnt House
| 3 bd · 2.5 ba · sleeps 7 | $28,981 | $555 | 14% | 5★ (66) | 0.2 mi | AirbnbVrbo |
Steps 2 Slopes 3 Bd 2 Bath Cuzzi & Pool Table Cabin
| 3 bd · 2 ba · sleeps 7 | $25,191 | $393 | 18% | 5★ (17) | 0.2 mi | Airbnb |
Southern Comfort Big Bear Lake Cabin | 3 bd · 2 ba · sleeps 6 | $28,340 | $232 | 33% | 4.8★ (60) | 0.3 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 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium
Est. revenue
$32,455
NOI
$4,783
Cash flow /mo
-$2,061
Cash needed
$130,500
Cash-on-cash
-19.0%
ROE (yr 1)
-6.4%
Cap rate
1.1%
DSCR
0.16
Year-1 write-off
$107,084
Year-1 tax shield @ 32%
$34,267
Year-1 return on equity
- Cash flow (annual)-$24,737
- Principal paydown$2,859
- Appreciation at%$13,500
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)$6,491
- Platform fees (3% of revenue)$974
- Maintenance / capex (5% of revenue)$1,623
- Utilities & supplies$4,200
- HOA$7,140
- Property tax$5,625
- Insurance (STR-rated)$2,295
Cash needed to close
- Down payment (25%)$112,500
- Closing costs (4.0%)$18,000
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$34,267
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
$331,000
Short-life (5/15-yr)
$107,000 · 32%
Year-1 deduction
$107,000
Year-1 tax shield @ 32%
$34,000
Land 27% (county tax record, assessed value split) · building $224,000 over 39 years
Based on: 1,785 sq ft, built 1991, 3 bd / 3 ba, furnished, listing features (hot tub, deck, patio, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $67,000 in year 1 (20% short-life, $22,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,100
Kitchen cabinetsdefault
$9,700 new × 40% good × 2.09 allocation
- $6,600
Kitchen countertopsdefault
$7,900 new × 40% good × 2.09 allocation
- $2,600
Decorative trimdefault
$3,100 new × 40% good × 2.09 allocation
- $400
Mirrorsdefault
$500 new × 40% good × 2.09 allocation
- $1,000
Shelvingdefault
$1,200 new × 40% good × 2.09 allocation
- $3,800
Window coverings (18)default
$4,500 new × 40% good × 2.09 allocation
- $6,400
Carpet, vinyl & laminate (67% of floors)listing
$7,700 new × 40% good × 2.09 allocation
- $6,300
Kitchen & laundry equipment plumbingdefault
$7,600 new × 40% good × 2.09 allocation
- $3,800
Kitchen, laundry & data equipment electricaldefault
$4,600 new × 40% good × 2.09 allocation
- $5,100
Appliances (range, microwave, dishwasher, disposal, refrigerator)listing
$6,100 new × 40% good × 2.09 allocation
- $7,500
Hot tub (freestanding)listing
$9,000 new × 40% good × 2.09 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $9,200
Paving: driveway & walks (paved)default
$8,800 new × 50% good × 2.09 allocation
- $8,800
Landscaping (typical)default
$8,400 new × 50% good × 2.09 allocation
- $8,400
Patioslisting
$8,000 new × 50% good × 2.09 allocation
- $21,000
Decks & porches (attached)listing
$20,100 new × 50% good × 2.09 allocation
- $168,500
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$193,400 new × 42% good × 2.09 allocation
- $16,800
Building plumbing & fixturesdefault
$20,100 new × 40% good × 2.09 allocation
- $16,600
Building electrical & lightingdefault
$19,900 new × 40% good × 2.09 allocation
- $16,800
HVACdefault
$20,100 new × 40% good × 2.09 allocation
- $3,200
Hardwood & tile floorsdefault
$3,800 new × 40% good × 2.09 allocation
- $2,200
Fireplacelisting
$2,600 new × 40% good × 2.09 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $59,500 | $47,400 | $200 | $107,100 |
| 2 | $0 | $0 | $5,700 | $5,700 |
| 3 | $0 | $0 | $5,700 | $5,700 |
| 4 | $0 | $0 | $5,700 | $5,700 |
| 5 | $0 | $0 | $5,700 | $5,700 |
| 6+ | $0 | $0 | $200,900 | $200,900 |
| Total | $59,500 | $47,400 | $224,100 | $330,900 |
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.