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

112 E Mojave Blvd

112 E Mojave Blvd

Big Bear City, CA 92314

$339,900

3 bd · 1.5 ba · 1,312 sqft · Listed 21d ago

View on Realtor.com →
Rental historyLow confidenceNegative cash flow

Year built

1976

Sqft

1,312

Lot sqft

5,000

HOA / mo

$0

Furnished

Yes

List date

2026-09-08T19:17:18.000000Z

Revenue

Annual revenue

$30,040

ADR

$309

Occupancy

27%

Cleaning fees (12 mo)

$5,318

Confidence

Low (31.42), 50 comps

Comp revenue range (p25 / median / p75)

$12,417$25,873$40,460
  • Tri-Level Cabin w/ Deck Views + Weekly Discount

    Cabin · 3 bd · 2 ba · sleeps 8 · 180 ft

    Revenue $45,019ADR $351Occ ≈ 35%5★ (52)

    AirbnbVrbo

  • Modern Cabin w/ Large Yard (early & late checkout)

    House · 3 bd · 1.5 ba · sleeps 8 · 272 ft

    Revenue $15,620ADR $232Occ ≈ 18%4.9★ (204)

    Airbnb

  • Yogi Bears Den - Close to Lake and Slopes

    Vacation home · 3 bd · 2 ba · sleeps 8 · 305 ft

    Revenue $46,421ADR $703Occ ≈ 18%—

    Booking

  • Early Check in! Dog & Family Friendly Ski Cabin

    Cabin · 3 bd · 2 ba · sleeps 7 · 335 ft

    Revenue $47,050ADR $330Occ ≈ 39%4.9★ (71)

    AirbnbVrbo

  • Harrison’s Hangar | Rustic Cabin Retreat

    Cabin · 3 bd · 2 ba · sleeps 6 · 345 ft

    Revenue $8,073ADR $194Occ ≈ 11%3.8★ (2)

    AirbnbBooking

  • Treehouse Feeling - Where Nature Sets the Mood

    House · 3 bd · 2 ba · sleeps 6 · 440 ft

    Revenue $18,223ADR $340Occ ≈ 15%4.2★ (12)

    AirbnbVrbo

  • Cozy Cabin with hot tub

    Cabin · 3 bd · 2 ba · sleeps 6 · 453 ft

    Revenue $5,903ADR $191Occ ≈ 8%4.9★ (60)

    AirbnbVrbo

  • Carrera Cozy Cabin | FencedBackyard+FirePit+HotTub

    Cabin · 3 bd · 2 ba · sleeps 8 · 479 ft

    Revenue $21,003ADR $602Occ ≈ 10%5★ (27)

    AirbnbVrboBooking

  • HotTub/Speakeasy/FirePitTable/BBQ/Hammock/3bd/2ba

    Cabin · 3 bd · 2 ba · sleeps 8 · 502 ft

    Revenue $13,321ADR $264Occ ≈ 14%4.9★ (43)

    Airbnb

  • Maltby Modern 1936 Cabin w/ Hot Tub + Games

    Chalet · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $35,461ADR $463Occ ≈ 21%—

    Booking

Show all 50 comps
  • Maltby Modern 1936 Cabin w/ Hot Tub + Games

    Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.1 mi

    Revenue $56,216ADR $426Occ ≈ 36%4.5★ (34)

    AirbnbVrboBooking

  • Big Wood Pines - Relaxing home with a large fenced yard for your furry friends to enjoy!

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.1 mi

    Revenue $29,309ADR $367Occ ≈ 22%5★ (1)

    Booking

  • Hot Tub & Fire Pit • 3 Decks • Treetop Star Views

    Cabin · 3 bd · 1 ba · sleeps 5 · 0.1 mi

    Revenue $66,078ADR $314Occ ≈ 58%5★ (295)

    AirbnbVrbo

  • Cozy 3BR | Steps to Hiking | Pool Table & BBQ

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $11,161ADR $491Occ ≈ 6%5★ (11)

    Airbnb

  • LilCozyCabin/Spa/Deck/BBQ/3BR

    Cabin · 3 bd · 1.5 ba · sleeps 8 · 0.1 mi

    Revenue $20,479ADR $362Occ ≈ 15%4.8★ (203)

    AirbnbVrbo

  • The Wilkie Cabin #339

    Vacation home · 3 bd · 1 ba · sleeps 10 · 0.1 mi

    Revenue $71,412ADR $1,106Occ ≈ 18%—

    Booking

  • The Wilkie Cabin ~ Calming home hideaway in the wo

    Cabin · 3 bd · 1.5 ba · sleeps 10 · 0.1 mi

    Revenue $30,405ADR $614Occ ≈ 14%3.5★ (3)

    AirbnbVrboBooking

  • Cozy Family Cabin-Fireplace & Near Ski Lifts/Hikes

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $29,628ADR $114Occ ≈ 71%4.8★ (35)

    Airbnb

  • The Heartfelt Cabin: Best Views, Large Backyard!

    Cabin · 3 bd · 1.5 ba · sleeps 8 · 0.2 mi

    Revenue $10,219ADR $379Occ ≈ 7%4.9★ (9)

    AirbnbBooking

  • Modern Hideaway in Big Bear

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi

    Revenue $39,087ADR $305Occ ≈ 35%—

    Booking

  • Rustic A-Frame: Pool Table and Forest Views

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $64,092ADR $257Occ ≈ 68%4.8★ (107)

    Airbnb

  • Modern Hideaway • Earthy & Chic 3BR, Game Room, AC

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi

    Revenue $40,917ADR $327Occ ≈ 34%4.9★ (47)

    AirbnbVrbo

  • Champagne Wishes & Cabin Dreams | Hot Tub, Decks

    House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    Revenue $6,290ADR $285Occ ≈ 6%5★ (2)

    AirbnbVrboBooking

  • Rustic Private Cabin w/ Fireplace, BBQ & Fire Pit

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $38,232ADR $270Occ ≈ 39%5★ (193)

    AirbnbVrbo

  • Spacious cabin | hot tub | central AC | near lake

    House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    Revenue $16,185ADR $354Occ ≈ 13%5★ (13)

    Airbnb

  • Atlas Ridge Cabin | Cozy, HotTub, Arcade, Firepit

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $1,780ADR $286Occ ≈ 2%5★ (3)

    Airbnb

  • FOUR SEASON CABIN

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi

    Revenue $28,977ADR $525Occ ≈ 15%4.7★ (102)

    AirbnbVrbo

  • Cozy Cottage w/King, Queen, Twin, BBQ & Fire Pit!

    Cottage · 3 bd · 2 ba · sleeps 4 · 0.2 mi

    Revenue $33,751ADR $194Occ ≈ 48%5★ (31)

    AirbnbVrbo

  • Foosball Table, Pet Friendly, Fenced Yard

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi

    Revenue $19,038ADR $314Occ ≈ 17%4.7★ (24)

    AirbnbVrbo

  • *Cozy Cabin nestled in the woods of Big Bear City

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi

    Revenue $12,354ADR $295Occ ≈ 11%4.7★ (187)

    AirbnbVrbo

  • Cozy 3BR | Steps to Trails | Pool Table & BBQ

    Cabin · 3 bd · 2 ba · sleeps 4 · 0.2 mi

    Revenue $9,814ADR $417Occ ≈ 6%5★ (3)

    AirbnbBooking

  • Luxury Home-Comfy Bed-Hot Tub-Office-Family-Pets

    Cabin · 3 bd · 2 ba · sleeps 5 · 0.2 mi

    Revenue $41,668ADR $285Occ ≈ 40%5★ (125)

    AirbnbVrbo

  • Game Room! Close to Slopes, Village & LAKE PC

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $47,937ADR $560Occ ≈ 23%4.8★ (17)

    AirbnbVrboBooking

  • Baby Bears Cabin -3BD, Kid+Dog Friendly w/ Jacuzzi

    House · 3 bd · 1.5 ba · sleeps 8 · 0.2 mi

    Revenue $35,424ADR $222Occ ≈ 44%4.8★ (6)

    AirbnbVrbo

  • Cozy Mountain Retreat w/ Jacuzzi & Fireplace

    Cabin · 3 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $38,415ADR $315Occ ≈ 33%4.8★ (382)

    AirbnbVrbo

  • Atlas Ridge Cabin | NEW! Cozy, Hot Tub, Fireplace

    House · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $5,198ADR $337Occ ≈ 4%5★ (6)

    Airbnb

  • Chic Big Bear Cabin - Summer Oasis

    Cabin · 3 bd · 1 ba · sleeps 8 · 0.2 mi

    Revenue $26,979ADR $286Occ ≈ 26%4.8★ (69)

    AirbnbVrbo

  • Charming cabin by the forrest

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $24,766ADR $306Occ ≈ 22%4.8★ (221)

    AirbnbVrbo

  • Single Level Home w/Entry Ramp In Big Bear

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $12,604ADR $349Occ ≈ 10%5★ (14)

    AirbnbVrboBooking

  • Gingerbread House in the Woods

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.2 mi

    Revenue $15,307ADR $291Occ ≈ 14%5★ (62)

    AirbnbVrbo

  • The GoldenForest: AC+Spa+Arcades+PetsOK+FencedYard

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    Revenue $44,404ADR $340Occ ≈ 36%5★ (50)

    Airbnb

  • Black bear bunker

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $1,462ADR $210Occ ≈ 2%5★ (1)

    Airbnb

  • Sierra Family Getaway Spa/AC/Boat Parking/Wi-Fi

    House · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $18,399ADR $288Occ ≈ 18%5★ (31)

    AirbnbBooking

  • Hot Tub • Vintage Charm • Gated Yard • Poker Table

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    Revenue $41,600ADR $210Occ ≈ 54%5★ (196)

    AirbnbVrbo

  • BearsRUs

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $7,219ADR $414Occ ≈ 5%4.8★ (58)

    Airbnb

  • Lookout Lodge Mountain Retreat

    House · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $14,978ADR $534Occ ≈ 8%5★ (65)

    AirbnbVrbo

  • Corner Cabin • AC • Spa • Game room • Dog Friendly

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $75,134ADR $375Occ ≈ 55%4.8★ (169)

    AirbnbVrbo

  • 3BR Retreat w/Views in Big Bear Lake

    House · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $4,649ADR $117Occ ≈ 11%1★ (1)

    Airbnb

  • “The Pilot's Chalet”

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $5,324ADR $102Occ ≈ 14%4.7★ (3)

    Airbnb

  • Mountain Views- Gaming Table- Dog Friendly-Firepit

    House · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $38,816ADR $216Occ ≈ 49%4.8★ (55)

    AirbnbVrbo

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

$30,040

NOI

$11,956

Cash flow /mo

-$835

Cash needed

$98,571

Cash-on-cash

-10.2%

ROE (yr 1)

2.4%

Cap rate

3.5%

DSCR

0.54

Year-1 write-off

$89,247

Year-1 tax shield @ 32%

$28,559

Year-1 return on equity

  • Cash flow (annual)-$10,023
  • Principal paydown$2,224
  • Appreciation at%$10,197
ROE2.4%
ROE incl. year-1 tax savings (32% bracket, STR loophole)31.4%
Opex, cash-needed & tax-savings breakdown

Annual operating expenses

  • Management (20% of revenue)$6,008
  • Platform fees (3% of revenue)$901
  • Maintenance / capex (5% of revenue)$1,502
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$4,249
  • Insurance (STR-rated)$1,733

Cash needed to close

  • Down payment (25%)$84,975
  • Closing costs (4.0%)$13,596
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$28,559

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

$273,000

Short-life (5/15-yr)

$89,000 · 32%

Year-1 deduction

$89,000

Year-1 tax shield @ 32%

$29,000

Land 20% (county tax record, assessed value split) · building $185,000 over 39 years

Based on: 1,312 sq ft, built 1976, 3 bd / 1.5 ba, furnished, listing features (patio, fence, fireplace, flooring types, appliance list).

IRS-guide safe-harbor floor: $69,000 in year 1 (25% short-life, $22,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$54,300
  • Kitchen cabinetsdefault

    $8,700 new × 40% good × 2.46 allocation

    $8,500
  • Kitchen countertopsdefault

    $7,100 new × 40% good × 2.46 allocation

    $7,000
  • Decorative trimdefault

    $2,300 new × 40% good × 2.46 allocation

    $2,300
  • Mirrorsdefault

    $200 new × 40% good × 2.46 allocation

    $100
  • Shelvingdefault

    $1,200 new × 40% good × 2.46 allocation

    $1,200
  • Window coverings (13)default

    $3,300 new × 40% good × 2.46 allocation

    $3,200
  • Carpet, vinyl & laminate (100% of floors)listing

    $8,400 new × 40% good × 2.46 allocation

    $8,300
  • Kitchen & laundry equipment plumbingdefault

    $6,800 new × 40% good × 2.46 allocation

    $6,600
  • Kitchen, laundry & data equipment electricaldefault

    $4,100 new × 40% good × 2.46 allocation

    $4,000
  • Appliances (range, dishwasher, disposal, refrigerator)listing

    $5,400 new × 40% good × 2.46 allocation

    $5,300
  • Furniture conveyed with the sale (used)listing

    $19,500 new × 40% good · out of the price

    $7,800
15-year land improvements$34,300
  • Paving: driveway & walks (paved)default

    $7,500 new × 50% good × 2.46 allocation

    $9,200
  • Landscaping (typical)default

    $7,200 new × 50% good × 2.46 allocation

    $8,900
  • Patioslisting

    $5,900 new × 50% good × 2.46 allocation

    $7,300
  • Decks & porches (attached)default

    $1,300 new × 50% good × 2.46 allocation

    $1,600
  • Fencinglisting

    $6,000 new × 50% good × 2.46 allocation

    $7,400
Building, 39-year$184,800
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $142,000 new × 40% good × 2.46 allocation

    $139,600
  • Building plumbing & fixturesdefault

    $14,700 new × 40% good × 2.46 allocation

    $14,500
  • Building electrical & lightingdefault

    $13,900 new × 40% good × 2.46 allocation

    $13,700
  • HVACdefault

    $14,800 new × 40% good × 2.46 allocation

    $14,500
  • Fireplacelisting

    $2,600 new × 40% good × 2.46 allocation

    $2,600

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$54,300$34,300$600$89,200
2$0$0$4,700$4,700
3$0$0$4,700$4,700
4$0$0$4,700$4,700
5$0$0$4,700$4,700
6+$0$0$165,300$165,300
Total$54,300$34,300$184,800$273,500

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.