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Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

618 Sugarloaf Blvd

618 Sugarloaf Blvd

Big Bear City, CA 92314

$356,000

2 bd · 1 ba · Listed 1d ago

View on Realtor.com →
Negative cash flow

Year built

1962

Sqft

—

Lot sqft

7,100

HOA / mo

None

Furnished

Yes

List date

2026-11-02T18:33:26.000000Z

Revenue

Annual revenue

$31,555

ADR

$197

Occupancy

44%

Cleaning fees (12 mo)

$7,566

Confidence

Low (46.12), 50 comps

Comp revenue range (p25 / median / p75)

$15,966$30,189$38,433

Median revenue of shown comps: $30,189

  • Summer Sanctuary! | Central AC + Pets + Hot Tub

    Cabin · 2 bd · 1 ba · sleeps 4 · 92 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $36,955ADR $191Occ ≈ 53%5★ (228)

    AirbnbVrbo

  • Fireside Chalet ~ Cozy 2 bedroom with EV Charger

    Cabin · 2 bd · 1 ba · sleeps 6 · 128 ft

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +2

    Revenue $42,815ADR $340Occ ≈ 35%5★ (57)

    Airbnb

  • 2 Bedroom Cottage & Entertainment Room W/ Wifi

    Cottage · 2 bd · 1.5 ba · sleeps 5 · 171 ft

    • Free parking
    • Pets OK
    • Wifi
    • EV charger
    • +1

    Revenue $30,994ADR $123Occ ≈ 69%4.7★ (94)

    Airbnb

  • Sugar Bear Cabin Big Bear

    Cabin · 2 bd · 1 ba · sleeps 4 · 266 ft

    Revenue $3,490ADR $145Occ ≈ 7%4★ (8)

    Delisted

  • Family-Friendly Cabin w/ Deck & Fenced Yard

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 308 ft

    Revenue $11,088ADR $194Occ ≈ 16%5★ (1)

    AirbnbBooking

  • 4.9 STARS Bee Hive Cabin Spa $0 Pet Fees Fireplace

    Cabin · 2 bd · 1 ba · sleeps 4 · 345 ft

    Revenue $48,106ADR $273Occ ≈ 48%4.9★ (326)

    Delisted

  • Cozy Cabin

    Cabin · 2 bd · 1 ba · sleeps 6 · 364 ft

    Revenue $29,835ADR $130Occ ≈ 63%4.7★ (362)

    Airbnb

  • Modern Rustic Farmhouse Cabin - Big Bear Lake, CA

    Cabin · 2 bd · 1 ba · sleeps 6 · 367 ft

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

    Revenue $38,926ADR $164Occ ≈ 65%5★ (382)

    Airbnb

  • Cozy Cabin with Hot Tub

    Cabin · 2 bd · 1 ba · sleeps 5 · 397 ft

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

    Revenue $33,915ADR $196Occ ≈ 47%4.8★ (253)

    AirbnbVrbo

  • Raspberry Forest Retreat | Fenced Yard + Fire Pit

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

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

    Revenue $34,679ADR $293Occ ≈ 32%5★ (186)

    Airbnb

Show 40 more
  • Cabin in Big Bear • Pets • Hot Tub • Fireplace

    House · 2 bd · 1 ba · sleeps 5 · 423 ft

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

    Revenue $42,078ADR $227Occ ≈ 51%4.8★ (176)

    AirbnbVrboBooking

  • Winding Pines Chalet

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 479 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $25,241ADR $329Occ ≈ 21%5★ (29)

    AirbnbVrboBooking

  • Big Bear Storybook A-Frame - Cozy, Fireplace, Yard

    Cabin · 2 bd · 1 ba · sleeps 6 · 486 ft

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $29,635ADR $285Occ ≈ 28%4.8★ (192)

    AirbnbVrbo

  • Charming cabin in the woods

    Cabin · 2 bd · 1.5 ba · sleeps 8 · 502 ft

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

    Revenue $9,257ADR $217Occ ≈ 12%5★ (7)

    Airbnb

  • A-Frame Chalet | New Hot Tub+ Fire Pit

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

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

    Revenue $33,345ADR $256Occ ≈ 36%5★ (67)

    Airbnb

  • Near Skiing & Hiking: Dog-Friendly Big Bear Cabin

    Cabin · 2 bd · 1.5 ba · sleeps 8 · 0.1 mi

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

    Revenue $14,663ADR $201Occ ≈ 20%4.5★ (24)

    AirbnbVrboBooking

  • 2BR Lions Den | Hot Tub, BBQ & Games

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

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

    Revenue $35,052ADR $245Occ ≈ 39%4.8★ (50)

    AirbnbVrboBooking

  • Cozy mid-century cabin minutes from hiking trails

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace
    • +1

    Revenue $56,797ADR $207Occ ≈ 75%5★ (226)

    Airbnb

  • Big Bear Cozy Cabin

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

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

    Revenue $26,595ADR $173Occ ≈ 42%4.8★ (119)

    Airbnb

  • Cozy bear pines #2465

    Vacation home · 2 bd · 1 ba · sleeps 4 · 0.1 mi

    Revenue $68,500ADR $1,478Occ ≈ 13%5★ (1)

    Booking

  • *Cozy Bear Pines *Central Relaxing Log Cabin*

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

    Revenue $33,348ADR $395Occ ≈ 23%4.6★ (5)

    AirbnbBooking

  • Bright & Airy Mountain Escape Surrounded by Pines

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.1 mi

    Revenue $26,904ADR $266Occ ≈ 28%5★ (5)

    AirbnbBooking

  • THE LIONS DEN

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

    Revenue $6,555ADR $371Occ ≈ 5%4.8★ (37)

    Airbnb

  • Newly Renovated, Modern, Pine & Peak Cabin, 6 cars

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $14,980ADR $144Occ ≈ 29%4.8★ (31)

    Airbnb

  • Big Bear Shack - Modern, Modified A-Frame Cabin

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

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +1

    Revenue $39,770ADR $141Occ ≈ 77%4.9★ (376)

    Airbnb

  • Pets/Fenced yard/WiFi/TVs/Projector/deck/Fireplace

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

    Revenue $29,911ADR $192Occ ≈ 43%4.8★ (50)

    AirbnbBooking

  • Private Hot Tub | Creek + Forest Setting

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

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

    Revenue $2,973ADR $228Occ ≈ 4%—

    AirbnbVrboBooking

  • Rustic meets Modern

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $26,194ADR $198Occ ≈ 36%4.8★ (231)

    Airbnb

  • Cedarwood | New Hot Tub + By Lake+Fenced Yard

    Cabin · 2 bd · 1.5 ba · sleeps 8 · 0.2 mi

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

    Revenue $64,819ADR $206Occ ≈ 86%5★ (595)

    AirbnbVrbo

  • Big Bear Hideaway | Hot Tub, Fire Pit & Cozy Vibes

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi

    Revenue $6,487ADR $554Occ ≈ 3%5★ (10)

    Airbnb

  • Rancho Pines I 1965 Ski +Hike+Hot Tub

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

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

    Revenue $40,247ADR $232Occ ≈ 48%5★ (210)

    Airbnb

  • Cozy Retreat | BBQ•Fire Pit•Pets•Fenced Yard•Games

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $42,386ADR $157Occ ≈ 74%5★ (62)

    Airbnb

  • Tibetan Theme Cozy Cabin Minutes 2 Slopes +Hot Tub

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +1

    Revenue $25,664ADR $206Occ ≈ 34%4.7★ (218)

    AirbnbVrbo

  • Mountain Bear Escape

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

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

    Revenue $22,724ADR $202Occ ≈ 31%4.5★ (64)

    AirbnbVrbo

  • Charming Cabin Near Lake, Slopes & Village

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace
    • +1

    Revenue $30,648ADR $225Occ ≈ 37%2.6★ (3)

    AirbnbVrboBooking

  • ~THE LAZY DAISY CABIN~ unwind from the grind

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

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +1

    Revenue $21,032ADR $161Occ ≈ 36%5★ (200)

    Airbnb

  • Cozy Cabin Comfort

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $15,383ADR $157Occ ≈ 27%4.8★ (23)

    Airbnb

  • Beehive Cabin, Woodsy Cabin with spa, fireplace NO Pet Fees

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

    Revenue $30,999ADR $454Occ ≈ 19%5★

    Delisted

  • Hot tub, king beds, game room, pets allowed

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

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

    Revenue $17,715ADR $274Occ ≈ 18%4.8★ (115)

    AirbnbVrbo

  • Rancho Relaxo

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

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

    Revenue $31,997ADR $182Occ ≈ 48%5★ (53)

    AirbnbVrbo

  • Luxe Cabin with AC, Fire Pit, Close to Everything!

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $45,456ADR $224Occ ≈ 56%5★ (287)

    AirbnbVrbo

  • Summer Retreat • Near Village & Lake • HotTub

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

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

    Revenue $36,586ADR $322Occ ≈ 31%5★ (233)

    AirbnbVrbo

  • The Dragonfly - 5.0 STARS, Fireplace, Spa, L2 EVC

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

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

    Revenue $1,725ADR $204Occ ≈ 2%5★ (1)

    Airbnb

  • Stōkhaus A-frame | Retro Retreat + Hot Tub

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $43,677ADR $307Occ ≈ 39%5★ (334)

    Airbnb

  • Cozy Family Cabin, Near Zoo, Lake, Snow Play & Spa

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

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

    Revenue $45,803ADR $219Occ ≈ 57%5★ (81)

    Airbnb

  • Huge Fully Fenced Yard w/Playground

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

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

    Revenue $30,467ADR $244Occ ≈ 34%4.9★ (96)

    Airbnb

  • Kids Games. Books. Pool Table. Pet Friendly!

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

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

    Revenue $21,165ADR $424Occ ≈ 14%4.7★ (11)

    Airbnb

  • Close to Skiing & Lake: Big Bear Mountain Getaway

    Condominium (condo) · 2 bd · 1 ba · sleeps 5 · 0.3 mi

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

    Revenue $7,722ADR $257Occ ≈ 8%3.9★ (4)

    AirbnbVrboBooking

  • 2 Mi to Trails: Modern Mountain Condo in Big Bear

    Condominium (condo) · 2 bd · 1 ba · sleeps 5 · 0.3 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $8,251ADR $241Occ ≈ 9%4.5★ (6)

    AirbnbVrboBooking

  • Fish, Hike & Explore: Cabin w/ Yard in Big Bear

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    • Wifi
    • Kitchen
    • Fireplace

    Revenue $13,347ADR $189Occ ≈ 19%4.8★ (18)

    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
Management
Term

Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

Est. revenue

$31,555

NOI

$12,788

Cash flow /mo

-$892

Cash needed

$103,240

Cash-on-cash

-10.4%

ROE (yr 1)

2.1%

Cap rate

3.6%

DSCR

0.54

Year-1 write-off

$90,294

Year-1 tax shield @ 32%

$28,894

Year-1 return on equity

  • Cash flow (annual)-$10,699
  • Principal paydown$2,235
  • Appreciation at%$10,680
ROE2.1%

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)$6,311
  • Platform fees (3% of revenue)$947
  • Maintenance / capex (5% of revenue)$1,578
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$4,450
  • Insurance (STR-rated)$1,816

Cash needed to close

  • Down payment (25%)$89,000
  • Closing costs (4.0%)$14,240
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$28,894

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

$286,000

Short-life (5/15-yr)

$90,000 · 31%

Year-1 deduction

$90,000

Year-1 tax shield @ 32%

$29,000

Land 20% (county tax record, assessed value split) · building $196,000 over 39 years

Based on: ~1,400 sq ft (from beds), built 1962, 2 bd / 1 ba, furnished, listing features (deck, fireplace, stone counters).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $51,000 in year 1 (18% short-life, $16,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$51,700
  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 2.37 allocation

    $8,400
  • Kitchen countertops (stone)listing

    $9,100 new × 40% good × 2.37 allocation

    $8,600
  • Decorative trimdefault

    $2,500 new × 40% good × 2.37 allocation

    $2,300
  • Mirrorsdefault

    $200 new × 40% good × 2.37 allocation

    $100
  • Shelvingdefault

    $900 new × 40% good × 2.37 allocation

    $900
  • Window coverings (14)default

    $3,500 new × 40% good × 2.37 allocation

    $3,300
  • Carpet, vinyl & laminate (40% of floors)default

    $3,600 new × 40% good × 2.37 allocation

    $3,400
  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 2.37 allocation

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

    $4,200 new × 40% good × 2.37 allocation

    $4,000
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 40% good × 2.37 allocation

    $7,700
  • Furniture conveyed with the sale (used)listing

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

    $6,400
15-year land improvements$38,400
  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 2.37 allocation

    $9,200
  • Landscaping (typical)default

    $7,500 new × 50% good × 2.37 allocation

    $8,900
  • Patiosdefault

    $1,400 new × 50% good × 2.37 allocation

    $1,600
  • Decks & porches (attached)listing

    $15,800 new × 50% good × 2.37 allocation

    $18,700
Building, 39-year$196,000
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,900 new × 40% good × 2.37 allocation

    $144,200
  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 2.37 allocation

    $14,900
  • Building electrical & lightingdefault

    $15,000 new × 40% good × 2.37 allocation

    $14,300
  • HVACdefault

    $15,800 new × 40% good × 2.37 allocation

    $15,000
  • Hardwood & tile floorsdefault

    $5,400 new × 40% good × 2.37 allocation

    $5,100
  • Fireplacelisting

    $2,600 new × 40% good × 2.37 allocation

    $2,500

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$51,700$38,400$200$90,300
2$0$0$5,000$5,000
3$0$0$5,000$5,000
4$0$0$5,000$5,000
5$0$0$5,000$5,000
6+$0$0$175,700$175,700
Total$51,700$38,400$196,000$286,100

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.