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Rate 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium

1312 E Country Club Blvd

1312 E Country Club Blvd

Big Bear City, CA 92314

$379,000

2 bd · 2 ba · Listed today

View on Realtor.com →
Low confidenceNegative cash flow

Year built

1990

Sqft

—

Lot sqft

5,700

HOA / mo

None

Furnished

No

List date

2026-10-07T01:20:04.000000Z

Revenue

Annual revenue

$29,172

ADR

$213

Occupancy

38%

Cleaning fees (12 mo)

$6,331

Confidence

Low (35.57), 45 comps

Comp revenue range (p25 / median / p75)

$13,600$25,001$36,866

Median revenue of shown comps: $24,685

  • Big Bear Pet friendly, cozy cabin! (no smoking)

    Cabin · 2 bd · 1 ba · sleeps 8 · 187 ft

    Revenue $39,185ADR $152Occ ≈ 71%5★ (36)

    Delisted

  • Modern Cabin w/ Hot Tub 5 Mi to Big Bear Lake!

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

    Revenue $22,746ADR $241Occ ≈ 26%4.8★ (26)

    AirbnbBooking

  • Maple Hill Lodge, Cozy 2 Bedroom sleeps 4

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

    Revenue $11,960ADR $322Occ ≈ 10%—

    Booking

  • Cozy 2 bedroom, 2 story Cabin, Sleeps 4, Wifi

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

    Revenue $16,602ADR $376Occ ≈ 12%5★ (25)

    Booking

  • Sweet Cabin Home Getaway!

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

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

    Revenue $30,833ADR $281Occ ≈ 30%4.8★ (4)

    AirbnbVrboBooking

  • Mountain Treehouse | Hot Tub, Views + Fireplace

    House · 2 bd · 1.5 ba · sleeps 4 · 0.1 mi

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

    Revenue $36,866ADR $248Occ ≈ 41%4.8★ (40)

    AirbnbVrbo

  • Red Door Retreat- Cozy 2 Bed 1 Bath W/ AC-Pets ok

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $17,233ADR $272Occ ≈ 17%5★ (58)

    AirbnbVrbo

  • Views and Dogs OK - Big Bear Treehouse

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

    Revenue $27,097ADR $136Occ ≈ 55%4.3★ (14)

    Airbnb

  • Cozy Open Layout Cabin!

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

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

    Revenue $39,356ADR $185Occ ≈ 58%4.8★ (276)

    AirbnbVrbo

  • Sweet Cabin Gateway | Cozy Big Bear Retreat Minute

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

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

    Revenue $8,414ADR $418Occ ≈ 6%4.8★ (5)

    AirbnbVrbo

Show 33 more
  • Hot Tub + Fire Pit | 2 Full Baths | Near Ski+Lake

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $53,603ADR $233Occ ≈ 63%4.8★ (257)

    AirbnbVrboBooking

  • The Nut House

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

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

    Revenue $24,685ADR $301Occ ≈ 22%4.7★ (3)

    AirbnbVrboBooking

  • Country Club Cabin | Renovated+Pet Friendly+HotTub

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

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

    Revenue $35,812ADR $203Occ ≈ 48%4.8★ (191)

    Airbnb

  • Beartime Story

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

    Revenue $37,837ADR $289Occ ≈ 36%—

    Booking

  • Private Hot Tub Retreat + Fire pit in Big Bear

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

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

    Revenue $29,290ADR $396Occ ≈ 20%4.8★ (67)

    Airbnb

  • 2BR Beartime Story Cabin, BBQ & Fireplace

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

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

    Revenue $23,109ADR $151Occ ≈ 42%4.9★ (24)

    AirbnbVrbo

  • Big Bear Cabin, Wonderful Family Getaway

    House · 2 bd · 2 ba · sleeps 7 · 0.2 mi

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

    Revenue $5,148ADR $225Occ ≈ 6%4.8★ (11)

    Airbnb

  • The Cottage at Shay Meadows by Big Bear Vacations

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

    Revenue $63,437ADR $788Occ ≈ 22%—

    Booking

  • The Cottage at Shay Meadows by Big Bear Vacations

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

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

    Revenue $39,714ADR $602Occ ≈ 18%4★ (4)

    AirbnbVrboBooking

  • Relaxing Woodside Cottage at Shay Meadow Ranch

    Cottage · 2 bd · 2 ba · sleeps 8 · 0.3 mi

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

    Revenue $45,370ADR $504Occ ≈ 25%2★ (1)

    AirbnbVrboBooking

  • The Bell Tower at Shay Meadows Big Bear Lake

    Cabin · 2 bd · 1 ba · sleeps 8 · 0.3 mi

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

    Revenue $56,709ADR $512Occ ≈ 30%4★ (4)

    AirbnbVrbo

  • Inn The Mountains

    House · 2 bd · 2 ba · sleeps 7 · 0.3 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $29,727ADR $84Occ ≈ 97%4.8★ (303)

    AirbnbVrbo

  • Cabin Bliss: Hot Tub, Fire Pit & Near The Village

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

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

    Revenue $6,926ADR $299Occ ≈ 6%5★ (1)

    Airbnb

  • Old School Log Cabin

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi

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

    Revenue $5,710ADR $158Occ ≈ 10%5★ (29)

    Airbnb

  • Private Hot Tub & Patio! Woodsy Escape in Big Bear

    House · 2 bd · 1.5 ba · sleeps 4 · 0.3 mi

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

    Revenue $3,078ADR $154Occ ≈ 5%5★ (3)

    AirbnbVrboBooking

  • 6 Min to Oktoberfest | Pets, Yard & Fireplace

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.4 mi

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

    Revenue $14,368ADR $191Occ ≈ 21%4.9★ (178)

    AirbnbVrbo

  • Cozy-family friendly home with jacuzzi!

    House · 2 bd · 2.5 ba · sleeps 6 · 0.4 mi

    Revenue $5,845ADR $182Occ ≈ 9%5★ (6)

    Delisted

  • Elk Run Cabin Covered parking + Private Hot Tub

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

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

    Revenue $25,588ADR $449Occ ≈ 16%5★ (23)

    AirbnbVrbo

  • Relaxing Bruin Chalet- Central BB Retreat Cabin

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $33,067ADR $330Occ ≈ 27%4.4★ (21)

    AirbnbVrboBooking

  • Mountain Escape • Fire Pit + Near Lake Retreat

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.4 mi

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

    Revenue $15,180ADR $223Occ ≈ 19%5★ (78)

    Airbnb

  • Redwood Elegance - 2BR/2BA/Forest Views/Deck/WiFi

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.4 mi

    Revenue $19,591ADR $283Occ ≈ 19%3.6★ (6)

    Booking

  • Sleepy Hollow-Spa, Pets Ok, FencedDeck, Firepit

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.4 mi

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

    Revenue $29,386ADR $251Occ ≈ 32%4.8★ (150)

    AirbnbVrbo

  • Modern cabin with a hot tub

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi

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

    Revenue $42,355ADR $168Occ ≈ 69%4.8★ (276)

    Airbnb

  • Whispering Pines of Big Bear

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.5 mi

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

    Revenue $12,048ADR $280Occ ≈ 12%4.5★ (14)

    Airbnb

  • Mountain Views ~ Foosball ~ BBQ ~ Near Lake

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.5 mi

    Revenue $23,279ADR $177Occ ≈ 36%4.9★ (116)

    Airbnb

  • GREAT PRICE! Cool Cozy Cabin w/SPA, 2+1, Sleeps 6

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.5 mi

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

    Revenue $7,766ADR $331Occ ≈ 6%4.5★ (173)

    AirbnbVrboBooking

  • Great Value Big Bear Getaway w/ Fireplace & BBQ

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.5 mi

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

    Revenue $14,504ADR $116Occ ≈ 34%4.2★ (19)

    AirbnbVrboBooking

  • Sunshine Haus @sunshinehaus.bigbearlake

    House · 2 bd · 2 ba · sleeps 6 · 0.5 mi

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

    Revenue $25,001ADR $241Occ ≈ 28%5★ (215)

    Airbnb

  • Pine Knot Smart Cabin - huge backyard w/ fire pit

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.5 mi

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

    Revenue $27,265ADR $141Occ ≈ 53%4.8★ (132)

    Airbnb

  • Floor-to-Ceiling Views | Fireplace

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $13,600ADR $270Occ ≈ 14%4★ (11)

    AirbnbVrbo

  • Aframe,Pickleball,AC,Spa,E-scooters,SUPBoards,Yard

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.5 mi

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

    Revenue $42,562ADR $370Occ ≈ 32%5★ (110)

    AirbnbVrbo

  • No Pet Fee! Hike, Hammock, Fish. Enclosed yard.

    House · 2 bd · 1 ba · sleeps 6 · 0.6 mi

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

    Revenue $9,594ADR $251Occ ≈ 10%5★ (35)

    Airbnb

  • Cozy Mountain Escape with Fireplace Charm

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.6 mi

    Revenue $8,648ADR $232Occ ≈ 10%4.5★ (26)

    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

Financing
Management
Term

Rate 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium

Est. revenue

$29,172

NOI

$10,702

Cash flow /mo

-$1,200

Cash needed

$125,910

Cash-on-cash

-11.4%

ROE (yr 1)

-0.5%

Cap rate

2.8%

DSCR

0.43

Year-1 write-off

$101,695

Year-1 tax shield @ 32%

$32,543

Year-1 return on equity

  • Cash flow (annual)-$14,398
  • Principal paydown$2,360
  • Appreciation at%$11,370
ROE-0.5%

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)$5,834
  • Platform fees (3% of revenue)$875
  • Maintenance / capex (5% of revenue)$1,459
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$4,738
  • Insurance (STR-rated)$1,933

Cash needed to close

  • Down payment (25%)$94,750
  • Closing costs (4.0%)$15,160
  • Furnishing (bought new)$16,000

Tax savings if the STR loophole applies

  • Tax shield @ 32%$32,543

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

$265,000

Short-life (5/15-yr)

$86,000 · 32%

Year-1 deduction

$102,000

Year-1 tax shield @ 32%

$33,000

Land 30% (county tax record, assessed value split) · building $180,000 over 39 years · new furniture $16,000

Based on: ~1,400 sq ft (from beds), built 1990, 2 bd / 2 ba, unfurnished, listing features (deck, fence, fireplace, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $66,000 in year 1 (19% short-life, $21,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$58,700
  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 2.23 allocation

    $7,900
  • Kitchen countertopsdefault

    $7,300 new × 40% good × 2.23 allocation

    $6,500
  • Decorative trimdefault

    $2,500 new × 40% good × 2.23 allocation

    $2,200
  • Mirrorsdefault

    $300 new × 40% good × 2.23 allocation

    $300
  • Shelvingdefault

    $900 new × 40% good × 2.23 allocation

    $800
  • Window coverings (14)default

    $3,500 new × 40% good × 2.23 allocation

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

    $9,000 new × 40% good × 2.23 allocation

    $8,000
  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 2.23 allocation

    $6,200
  • Kitchen, laundry & data equipment electricaldefault

    $4,200 new × 40% good × 2.23 allocation

    $3,700
  • Appliances (range, disposal, refrigerator)listing

    $4,400 new × 40% good × 2.23 allocation

    $3,900
  • Furniture bought newlisting

    $16,000 new × 100% good · bought separately

    $16,000
15-year land improvements$42,800
  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 2.23 allocation

    $8,700
  • Landscaping (typical)default

    $7,500 new × 50% good × 2.23 allocation

    $8,300
  • Patiosdefault

    $1,400 new × 50% good × 2.23 allocation

    $1,500
  • Decks & porches (attached)listing

    $15,800 new × 50% good × 2.23 allocation

    $17,600
  • Fencinglisting

    $6,000 new × 50% good × 2.23 allocation

    $6,700
Building, 39-year$179,500
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,800 new × 40% good × 2.23 allocation

    $135,600
  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 2.23 allocation

    $14,000
  • Building electrical & lightingdefault

    $15,000 new × 40% good × 2.23 allocation

    $13,400
  • HVACdefault

    $15,800 new × 40% good × 2.23 allocation

    $14,100
  • Fireplacelisting

    $2,600 new × 40% good × 2.23 allocation

    $2,400

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$58,700$42,800$200$101,700
2$0$0$4,600$4,600
3$0$0$4,600$4,600
4$0$0$4,600$4,600
5$0$0$4,600$4,600
6+$0$0$160,900$160,900
Total$58,700$42,800$179,500$281,000

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.