STR Yield
← Back to deals

Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

345 W Country Club Blvd

345 W Country Club Blvd

Big Bear City, CA 92314

$625,900

3 bd · 2 ba · 1,932 sqft · Listed today

View on Realtor.com →
Low confidenceNegative cash flow

Year built

1948

Sqft

1,932

Lot sqft

5,001

HOA / mo

$0

Furnished

No

List date

2026-10-17T02:13:42.000000Z

Revenue

Annual revenue

$27,349

ADR

$223

Occupancy

34%

Cleaning fees (12 mo)

$5,687

Confidence

Low (36.31), 50 comps

Comp revenue range (p25 / median / p75)

$15,138$22,613$35,379

Median revenue of shown comps: $21,641

  • Winter Wonderland. Updated 3 Bedroom. Pet Friendly

    Cabin · 3 bd · 1 ba · sleeps 8 · 466 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $30,193ADR $246Occ ≈ 34%5★ (132)

    AirbnbVrbo

  • 1930's Rustic Cabin King of Kings !!Jacuzzi, Pet Friendly!!

    Vacation home · 3 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $2,364ADR $250Occ ≈ 3%—

    Booking

  • “The Pilot's Chalet”

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $5,373ADR $102Occ ≈ 14%4.7★ (3)

    Airbnb

  • Walk to Trolley! Big Bear Family Cabin w/ Deck

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +1

    Revenue $12,650ADR $335Occ ≈ 10%4.8★ (4)

    AirbnbVrboBooking

  • Danny’s Den - The Perfect Cabin with Hot Tub!

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $41,296ADR $168Occ ≈ 67%4.2★ (29)

    Airbnb

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

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $38,641ADR $223Occ ≈ 47%4.8★ (6)

    AirbnbVrbo

  • Hot Tub • Fenced Spacious Yard • Peaceful Cabin

    Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.2 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $16,949ADR $259Occ ≈ 18%4.9★ (18)

    Airbnb

  • Walk to Oktoberfest |AC•Hot Tub•Arcade•BBQ•Firepit

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $29,955ADR $320Occ ≈ 26%4.8★ (41)

    AirbnbVrbo

  • Gingerbread House in the Woods

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $14,468ADR $298Occ ≈ 13%5★ (62)

    AirbnbVrbo

  • Big Bear Cabin retreat! 3 Parking spots

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $32,583ADR $268Occ ≈ 33%4.8★ (83)

    AirbnbVrbo

Show 36 more
  • Reality Escape Central Retreat at Big Bear Lake

    Vacation home · 3 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $61,816ADR $701Occ ≈ 24%—

    Booking

  • Spa • Game Room • Cozy Cabin | Near Lake + Slopes

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $6,539ADR $215Occ ≈ 8%5★ (5)

    AirbnbVrboBooking

  • Foosball/Central Heat/Dogs OK -Rainbow Connection

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

    Revenue $29,924ADR $0Occ ≈ —4.7★ (40)

    AirbnbBooking

  • Cozy Cabin-GAME ROOM, Fenced Dog Park, near slopes

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $29,591ADR $319Occ ≈ 25%4.9★ (76)

    AirbnbVrbo

  • Cozy 3-bedroom cabin with indoor fireplace

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $25,210ADR $187Occ ≈ 37%4.9★ (51)

    AirbnbVrbo

  • Sherwood Pines • Hot tub, playground, arcade, BBQ

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $52,980ADR $372Occ ≈ 39%5★ (20)

    AirbnbVrbo

  • Hilltop Cabin | Fireplace - Games - Views

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

    Revenue $388ADR $388Occ ≈ 0%5★ (1)

    AirbnbVrboBooking

  • Meadow Retreat- Log Style Cabin W/ Spa-Pets OK

    House · 3 bd · 2 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $16,930ADR $455Occ ≈ 10%4.5★ (97)

    AirbnbVrbo

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

    House · 3 bd · 2.5 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $16,966ADR $353Occ ≈ 13%5★ (15)

    Airbnb

  • Lost Boy's Hideout + BBQ + Large Backyard!

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

    Revenue $35,759ADR $261Occ ≈ 38%3.6★ (3)

    AirbnbBooking

  • Serene Big Bear Retreat w/ Hot Tub + Game Room!

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $66,414ADR $340Occ ≈ 54%4.8★ (50)

    AirbnbVrboBooking

  • Peter Pan Lodge: 3bed/2bath, Fireplace+karaoke

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

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $15,359ADR $268Occ ≈ 16%4.9★ (32)

    Airbnb

  • Hot Tub EV-Charging Adorable! Close to Lake/Slopes

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

    Revenue $9,222ADR $435Occ ≈ 6%4.3★ (61)

    AirbnbBooking

  • BearsRUs

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

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

    Airbnb

  • LilCozyCabin/Spa/Deck/BBQ/3BR

    Cabin · 3 bd · 1.5 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +1

    Revenue $20,358ADR $366Occ ≈ 15%4.8★ (203)

    AirbnbVrbo

  • Charming Big Bear Cabin

    Cabin · 3 bd · 1 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $28,166ADR $212Occ ≈ 36%4.9★ (241)

    AirbnbVrboBooking

  • Cozy Cabin with hot tub

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $5,057ADR $183Occ ≈ 8%4.9★ (62)

    AirbnbVrbo

  • Pixie Dust Pines by Rather Be Properties

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $15,064ADR $291Occ ≈ 14%5★ (1)

    Booking

  • Pixie Dust Pines: Whimsical Cabin Retreat

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

    Revenue $42,607ADR $216Occ ≈ 54%4.8★ (32)

    AirbnbBooking

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

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    Revenue $31,052ADR $370Occ ≈ 23%5★ (1)

    Booking

  • Modern Bearadise Hideaway: Spa, Firepit, 3Bdr

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $61,211ADR $280Occ ≈ 60%5★ (99)

    Airbnb

  • Harrison’s Hangar | Rustic Cabin Retreat

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $10,615ADR $192Occ ≈ 15%3.8★ (2)

    AirbnbBooking

  • Bear Cub Cabin + Hot-Tub & Outdoor Patio w/ BBQ!

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

    • Pets OK
    • Wifi
    • Washer

    Revenue $34,240ADR $298Occ ≈ 31%4.7★ (16)

    AirbnbVrboBooking

  • Foosball Table, Pet Friendly, Fenced Yard

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $20,394ADR $308Occ ≈ 18%4.7★ (24)

    AirbnbVrbo

  • Hike, Ski & Explore Big Bear Lake: Cabin w/ Deck!

    Cabin · 3 bd · 1.5 ba · sleeps 8 · 0.3 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $20,827ADR $255Occ ≈ 22%4.2★ (7)

    AirbnbVrboBooking

  • On Mountain Time-2bed 1bath+Loft

    House · 3 bd · 1 ba · sleeps 8 · 0.3 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +1

    Revenue $8,507ADR $274Occ ≈ 9%4.6★ (20)

    AirbnbVrbo

  • Secluded Cabin w/ Spa & Games!

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $63,883ADR $340Occ ≈ 51%4.8★ (68)

    AirbnbVrbo

  • Forest Views | Fireplace + Pet-Friendly

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $19,071ADR $337Occ ≈ 16%4.2★ (12)

    AirbnbVrbo

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

    House · 3 bd · 1.5 ba · sleeps 8 · 0.3 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

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

    Airbnb

  • Big Bear RnR: Escape from Suburbia and Relax!

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $19,785ADR $238Occ ≈ 23%4.8★ (33)

    AirbnbVrbo

  • Sugarpaw Cottage*SPA*EV Charger

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $22,455ADR $278Occ ≈ 22%4.8★ (21)

    Airbnb

  • TreeHouse on Rainbow - Views, Fireplace, Deck, Barbecue

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.4 mi

    Revenue $22,771ADR $367Occ ≈ 17%—

    Booking

  • Hilltop Bear Cabin

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.4 mi

    Revenue $23,422ADR $325Occ ≈ 20%4.7★ (20)

    Delisted

  • Charming cabin by the forrest

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $25,862ADR $304Occ ≈ 23%4.8★ (221)

    AirbnbVrbo

  • New! Bearadise ~Cozy Modern Getaway ~A-Frame Cabin

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.4 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $9,143ADR $165Occ ≈ 15%3.8★ (8)

    AirbnbVrboBooking

  • Family Friendly - Hot Tub - Bonus Living Space

    House · 3 bd · 2 ba · sleeps 6 · 0.4 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $47,980ADR $196Occ ≈ 67%4.8★ (364)

    Airbnb

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
Management
Term

Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

Est. revenue

$27,349

NOI

$5,414

Cash flow /mo

-$3,042

Cash needed

$201,011

Cash-on-cash

-18.2%

ROE (yr 1)

-6.9%

Cap rate

0.9%

DSCR

0.13

Year-1 write-off

$133,236

Year-1 tax shield @ 32%

$42,636

Year-1 return on equity

  • Cash flow (annual)-$36,510
  • Principal paydown$3,806
  • Appreciation at%$18,777
ROE-6.9%

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)$5,470
  • Platform fees (3% of revenue)$820
  • Maintenance / capex (5% of revenue)$1,367
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$7,824
  • Insurance (STR-rated)$3,192

Cash needed to close

  • Down payment (25%)$156,475
  • Closing costs (4.0%)$25,036
  • Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$42,636

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

$514,000

Short-life (5/15-yr)

$113,000 · 22%

Year-1 deduction

$133,000

Year-1 tax shield @ 32%

$43,000

Land 18% (county tax record, assessed value split) · building $401,000 over 39 years · new furniture $20,000

Based on: 1,932 sq ft, built 1948, 3 bd / 2 ba, unfurnished, listing features (fireplace).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $97,000 in year 1 (15% short-life, $31,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$94,700
  • Kitchen cabinetsdefault

    $10,000 new × 40% good × 3.51 allocation

    $14,100
  • Kitchen countertopsdefault

    $8,200 new × 40% good × 3.51 allocation

    $11,500
  • Decorative trimdefault

    $3,400 new × 40% good × 3.51 allocation

    $4,800
  • Mirrorsdefault

    $300 new × 40% good × 3.51 allocation

    $400
  • Shelvingdefault

    $1,200 new × 40% good × 3.51 allocation

    $1,700
  • Window coverings (19)default

    $4,800 new × 40% good × 3.51 allocation

    $6,700
  • Carpet, vinyl & laminate (40% of floors)default

    $5,000 new × 40% good × 3.51 allocation

    $7,000
  • Kitchen & laundry equipment plumbingdefault

    $7,800 new × 40% good × 3.51 allocation

    $11,000
  • Kitchen, laundry & data equipment electricaldefault

    $4,700 new × 40% good × 3.51 allocation

    $6,600
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 40% good × 3.51 allocation

    $11,400
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
15-year land improvements$38,100
  • Paving: driveway & walks (paved)default

    $9,100 new × 50% good × 3.51 allocation

    $16,000
  • Landscaping (typical)default

    $8,800 new × 50% good × 3.51 allocation

    $15,400
  • Patiosdefault

    $1,900 new × 50% good × 3.51 allocation

    $3,400
  • Decks & porches (attached)default

    $1,900 new × 50% good × 3.51 allocation

    $3,400
Building, 39-year$400,600
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $209,600 new × 40% good × 3.51 allocation

    $294,700
  • Building plumbing & fixturesdefault

    $21,700 new × 40% good × 3.51 allocation

    $30,600
  • Building electrical & lightingdefault

    $21,800 new × 40% good × 3.51 allocation

    $30,600
  • HVACdefault

    $21,800 new × 40% good × 3.51 allocation

    $30,600
  • Hardwood & tile floorsdefault

    $7,500 new × 40% good × 3.51 allocation

    $10,500
  • Fireplacelisting

    $2,600 new × 40% good × 3.51 allocation

    $3,700

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$94,700$38,100$400$133,200
2$0$0$10,300$10,300
3$0$0$10,300$10,300
4$0$0$10,300$10,300
5$0$0$10,300$10,300
6+$0$0$359,100$359,100
Total$94,700$38,100$400,600$533,400

The building's share of the price ($514,000) is 3.5x our depreciated replacement cost of the home ($146,000). 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, 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.