41435 McWhinney Ln
Big Bear Lake, CA 92315
$729,000
3 bd · 2 ba · 1,341 sqft · Listed 70d ago
View on Realtor.com →Year built
1967
Sqft
1,341
Lot sqft
6,325
HOA / mo
$0
Furnished
Yes
List date
2026-09-04T14:48:34.000000Z
Revenue
Annual revenue
$38,256
ADR
$328
Occupancy
32%
Cleaning fees (12 mo)
$7,248
Confidence
Low (44.82), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $33,530
Bohemia big bear #1926
Vacation home · 3 bd · 2 ba · sleeps 7 · 102 ft
Revenue $70,373ADR $1,064Occ ≈ 18%—
Big Bear Happy Place~ Hot Tub~ Games~ Walk to Village~
Vacation home · 3 bd · 1 ba · sleeps 6 · 390 ft
Revenue $17,861ADR $230Occ ≈ 21%3★ (1)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Bohemia Resort Retreat- Hot Tub- Games- Ski/Hike Cabin
| 3 bd · 2 ba · sleeps 7 | $32,096 | $494 | 18% | 4.8★ (31) | 33 ft | AirbnbVrboBooking |
Evening Breeze:Pet Friendly!Spa!Walk to Village! House
| 3 bd · 2.5 ba · sleeps 10 | $39,854 | $562 | 19% | 4.7★ (104) | 75 ft | AirbnbVrbo |
Bohemia big bear #1926 Vacation home | 3 bd · 2 ba · sleeps 7 | $70,373 | $1,064 | 18% | — | 102 ft | Booking |
Lakeside Living | 3BR Cabin 3min to Big Bear Lake House | 3 bd · 2 ba · sleeps 6 | $24,495 | $108 | 62% | 5★ (3) | 161 ft | AirbnbBooking |
Midnight Pines Cabin: Cozy Get-Away Near Slopes! Cabin
| 3 bd · 1 ba · sleeps 7 | $29,807 | $262 | 31% | 4.7★ (14) | 305 ft | AirbnbVrboBooking |
Hummingbird Corner*A/C - Pet Friendly / Great Loca House
| 3 bd · 2 ba · sleeps 6 | $71,120 | $249 | 78% | 5★ (104) | 364 ft | AirbnbVrboBooking |
Big Bear Happy Place~ Hot Tub~ Games~ Walk to Village~ Vacation home | 3 bd · 1 ba · sleeps 6 | $17,861 | $230 | 21% | 3★ (1) | 390 ft | Booking |
Big Bear Happy Place - Hot Tub- Arcade- Village Cabin
| 3 bd · 1 ba · sleeps 6 | $14,792 | $362 | 11% | 4.5★ (8) | 400 ft | AirbnbVrboBooking |
Lake Hub Everything Big Bear, Hot Tub, Pool Table Cabin
| 3 bd · 2 ba · sleeps 6 | $39,678 | $311 | 35% | 5★ (84) | 423 ft | AirbnbVrbo |
“Eurelax” - Hot Tub - Huge Yard -5 Min to Village! Cabin
| 3 bd · 1 ba · sleeps 6 | $41,915 | $222 | 52% | 4.8★ (56) | 463 ft | AirbnbVrbo |
Show 31 more
Conklin Pines Retreat, Hot Tub Getaway, Game Room
House · 3 bd · 2 ba · sleeps 6 · 472 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $55,537ADR $299Occ ≈ 51%5★ (105)
Family Cabin #6 3Bedroom Pet Friendly Near Town
Cabin · 3 bd · 2 ba · sleeps 10 · 476 ft
- Hot tub
- A/C
- Free parking
- Pets OK
- +3
Revenue $26,812ADR $190Occ ≈ 39%4.3★ (60)
Luxury Boho Cabin near Village with deck and fireplace!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $1,412ADR $353Occ ≈ 1%5★ (1)
Delisted
Charming 3 Bedroom 2 Bath Cabin Close To Slopes
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $1,854ADR $463Occ ≈ 1%5★ (56)
Delisted
2614 - Cielos Nest
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $23,514ADR $387Occ ≈ 17%—
Luxury boho inspired cabin close to village! mountain view, deck, fireplace!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $30,911ADR $334Occ ≈ 25%5★ (55)
Delisted
Château Bouli - 4 Season Escape / Games room
Cabin · 3 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $45,763ADR $540Occ ≈ 23%5★ (42)
Modern Cabin w/ Deck & Fireplace
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $35,075ADR $256Occ ≈ 38%4.4★ (30)
Big Bear Tranquil Escape
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $11,093ADR $0Occ ≈ —4.2★ (8)
McWhinney The Pooh's Den - Close to Ski Slopes, Pool Table, Foosball, BBQ
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $48,380ADR $549Occ ≈ 24%—
Mountain Modern-1743 by Big Bear Vacations
Vacation home · 3 bd · 3 ba · sleeps 7 · 0.2 mi
Revenue $3,671ADR $274Occ ≈ 4%4★ (1)
Village Relaxation at Camp Conklin Big Bear - Hot Tub
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $68,830ADR $665Occ ≈ 28%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Conklin Pines Retreat, Hot Tub Getaway, Game Room House
| 3 bd · 2 ba · sleeps 6 | $55,537 | $299 | 51% | 5★ (105) | 472 ft | Airbnb |
Family Cabin #6 3Bedroom Pet Friendly Near Town Cabin
| 3 bd · 2 ba · sleeps 10 | $26,812 | $190 | 39% | 4.3★ (60) | 476 ft | Airbnb |
Way Back Wren Cabin Cabin
| 3 bd · 2 ba · sleeps 6 | $22,559 | $311 | 20% | 4.7★ (52) | 482 ft | AirbnbVrbo |
Located Btwn Summit&the Village!Pets OK!PoolTable! House
| 3 bd · 2 ba · sleeps 8 | $33,909 | $261 | 36% | 4.8★ (48) | 0.1 mi | AirbnbVrbo |
Alpine Villa - Walk to the Main Village and Lake Villa
| 3 bd · 2 ba · sleeps 7 | $50,410 | $245 | 56% | 4.8★ (382) | 0.1 mi | AirbnbVrbo |
Luxury Boho Cabin near Village with deck and fireplace! Cabin | 3 bd · 2 ba · sleeps 7 | $1,412 | $353 | 1% | 5★ (1) | 0.1 mi | Delisted |
Charming 3 Bedroom 2 Bath Cabin Close To Slopes Cabin | 3 bd · 2 ba · sleeps 8 | $1,854 | $463 | 1% | 5★ (56) | 0.1 mi | Delisted |
2614 - Cielos Nest Vacation home | 3 bd · 2 ba · sleeps 6 | $23,514 | $387 | 17% | — | 0.1 mi | Booking |
HOT TUB! Game Room W/Games Galore! 2 Fire Pits! House
| 3 bd · 2 ba · sleeps 8 | $54,900 | $428 | 35% | 4.8★ (58) | 0.1 mi | AirbnbVrbo |
Four Bears Cabin w/ Hot Tub + Games Cabin
| 3 bd · 2.5 ba · sleeps 10 | $45,589 | $781 | 16% | 4.4★ (10) | 0.1 mi | AirbnbVrboBooking |
Luxury boho inspired cabin close to village! mountain view, deck, fireplace! Cabin | 3 bd · 2 ba · sleeps 7 | $30,911 | $334 | 25% | 5★ (55) | 0.1 mi | Delisted |
Hibernation Station I Near Snow Summit House
| 3 bd · 2 ba · sleeps 7 | $29,775 | $325 | 25% | 4.8★ (56) | 0.1 mi | AirbnbVrboBooking |
Château Bouli - 4 Season Escape / Games room Cabin | 3 bd · 2 ba · sleeps 9 | $45,763 | $540 | 23% | 5★ (42) | 0.1 mi | Booking |
Modern cabin with hot tub House
| 3 bd · 2 ba · sleeps 8 | $24,143 | $323 | 20% | 4.9★ (67) | 0.2 mi | AirbnbVrbo |
Big Bear Fun Cabin! Walk to Lake & Slopes Cabin
| 3 bd · 2 ba · sleeps 7 | $27,692 | $375 | 20% | 4.6★ (19) | 0.2 mi | AirbnbVrbo |
HOT TUB! Near Village, lake, and Snow Summit! House
| 3 bd · 2 ba · sleeps 8 | $41,966 | $449 | 26% | 4.8★ (40) | 0.2 mi | AirbnbVrbo |
Modern Cabin w/ Deck & Fireplace House | 3 bd · 2 ba · sleeps 8 | $35,075 | $256 | 38% | 4.4★ (30) | 0.2 mi | Airbnb |
Conklin Canopy - AC, Game Rm, Dog Friendly House
| 3 bd · 2 ba · sleeps 8 | $13,352 | $274 | 13% | 5★ (6) | 0.2 mi | AirbnbVrbo |
Big Bear Tranquil Escape Vacation home | 3 bd · 2 ba · sleeps 8 | $11,093 | $0 | — | 4.2★ (8) | 0.2 mi | Booking |
Steps to Lake + Village- Hot Tub+Game Room+Dogs + Cottage
| 3 bd · 2.5 ba · sleeps 7 | $30,102 | $354 | 23% | 4.9★ (103) | 0.2 mi | AirbnbVrbo |
McWhinney The Pooh's Den - Close to Ski Slopes, Pool Table, Foosball, BBQ Vacation home | 3 bd · 2 ba · sleeps 7 | $48,380 | $549 | 24% | — | 0.2 mi | Booking |
Summit Retreat| 2 Spas • Walk to Summit• Fenced Cabin
| 3 bd · 2 ba · sleeps 7 | $83,819 | $393 | 58% | 5★ (69) | 0.2 mi | AirbnbVrbo |
Village Modern-Hot Tub- Walk To Ski Resort/Dining Cabin
| 3 bd · 2 ba · sleeps 7 | $77,036 | $305 | 69% | 4.7★ (35) | 0.2 mi | AirbnbVrboBooking |
Mountain Modern-1743 by Big Bear Vacations Vacation home | 3 bd · 3 ba · sleeps 7 | $3,671 | $274 | 4% | 4★ (1) | 0.2 mi | Booking |
Cozy cabin centrally located Price Reduced Cabin
| 3 bd · 2 ba · sleeps 6 | $24,444 | $225 | 30% | 4.5★ (187) | 0.2 mi | AirbnbVrbo |
Village Chateau, A/C, Fire, Fenced Yard, Walkable House
| 3 bd · 2 ba · sleeps 8 | $57,734 | $353 | 45% | 5★ (195) | 0.2 mi | AirbnbVrbo |
Enchanting Cabin with Hot Tub & Quiet Neighborhood Cabin
| 3 bd · 2 ba · sleeps 8 | $33,530 | $431 | 21% | 4.6★ (43) | 0.2 mi | AirbnbVrboBooking |
HOTTUB!NearNationalForest!ToweringTrees!Foosball! House
| 3 bd · 2 ba · sleeps 8 | $34,086 | $289 | 32% | 4.9★ (95) | 0.2 mi | AirbnbVrbo |
Camp Conklin Big Bear - Hot Tub + Games + Village Cabin | 3 bd · 2 ba · sleeps 6 | $60,637 | $534 | 31% | 4.4★ (15) | 0.2 mi | AirbnbBooking |
Village Relaxation at Camp Conklin Big Bear - Hot Tub Vacation home | 3 bd · 2 ba · sleeps 6 | $68,830 | $665 | 28% | — | 0.2 mi | Booking |
Pet Friendly! Near Snow Summit! Fenced Yard! Spa! House
| 3 bd · 2 ba · sleeps 6 | $33,437 | $248 | 37% | 4.7★ (144) | 0.2 mi | 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
Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium
Est. revenue
$38,256
NOI
$11,607
Cash flow /mo
-$2,991
Cash needed
$211,410
Cash-on-cash
-17.0%
ROE (yr 1)
-4.4%
Cap rate
1.6%
DSCR
0.24
Year-1 write-off
$196,469
Year-1 tax shield @ 32%
$62,870
Year-1 return on equity
- Cash flow (annual)-$35,896
- Principal paydown$4,696
- Appreciation at%$21,870
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)$7,651
- Platform fees (3% of revenue)$1,148
- Maintenance / capex (5% of revenue)$1,913
- Utilities & supplies$4,200
- HOA$0
- Property tax$9,113
- Insurance (STR-rated)$3,718
Cash needed to close
- Down payment (25%)$182,250
- Closing costs (4.0%)$29,160
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$62,870
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
$585,000
Short-life (5/15-yr)
$195,000 · 33%
Year-1 deduction
$196,000
Year-1 tax shield @ 32%
$63,000
Land 20% (county tax record, assessed value split) · building $390,000 over 39 years
Based on: 1,341 sq ft, built 1967, 3 bd / 2 ba, furnished, listing features (hot tub, deck, game room, fireplace).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $120,000 in year 1 (20% short-life, $39,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $17,300
Kitchen cabinetsdefault
$8,700 new × 40% good × 4.94 allocation
- $14,100
Kitchen countertopsdefault
$7,200 new × 40% good × 4.94 allocation
- $4,600
Decorative trimdefault
$2,300 new × 40% good × 4.94 allocation
- $600
Mirrorsdefault
$300 new × 40% good × 4.94 allocation
- $2,400
Shelvingdefault
$1,200 new × 40% good × 4.94 allocation
- $6,400
Window coverings (13)default
$3,300 new × 40% good × 4.94 allocation
- $6,800
Carpet, vinyl & laminate (40% of floors)default
$3,500 new × 40% good × 4.94 allocation
- $13,400
Kitchen & laundry equipment plumbingdefault
$6,800 new × 40% good × 4.94 allocation
- $8,100
Kitchen, laundry & data equipment electricaldefault
$4,100 new × 40% good × 4.94 allocation
- $16,000
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 4.94 allocation
- $17,800
Hot tub (freestanding)listing
$9,000 new × 40% good × 4.94 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $2,400
Game-room equipment (used)listing
$6,000 new × 40% good · out of the price
- $18,800
Paving: driveway & walks (paved)default
$7,600 new × 50% good × 4.94 allocation
- $18,000
Landscaping (typical)default
$7,300 new × 50% good × 4.94 allocation
- $3,300
Patiosdefault
$1,300 new × 50% good × 4.94 allocation
- $37,300
Decks & porches (attached)listing
$15,100 new × 50% good × 4.94 allocation
- $286,700
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$145,000 new × 40% good × 4.94 allocation
- $29,800
Building plumbing & fixturesdefault
$15,000 new × 40% good × 4.94 allocation
- $28,200
Building electrical & lightingdefault
$14,300 new × 40% good × 4.94 allocation
- $29,900
HVACdefault
$15,100 new × 40% good × 4.94 allocation
- $10,200
Hardwood & tile floorsdefault
$5,200 new × 40% good × 4.94 allocation
- $5,200
Fireplacelisting
$2,600 new × 40% good × 4.94 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $117,900 | $77,400 | $1,300 | $196,500 |
| 2 | $0 | $0 | $10,000 | $10,000 |
| 3 | $0 | $0 | $10,000 | $10,000 |
| 4 | $0 | $0 | $10,000 | $10,000 |
| 5 | $0 | $0 | $10,000 | $10,000 |
| 6+ | $0 | $0 | $348,800 | $348,800 |
| Total | $117,900 | $77,400 | $390,000 | $585,200 |
The building's share of the price ($575,000) is 4.9x our depreciated replacement cost of the home ($116,000). 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.