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

803 Plumas Ct

803 Plumas Ct

Big Bear City, CA 92314

$599,900

2 bd · 2 ba · 1,653 sqft · Listed 1d ago

View on Realtor.com →
Low confidenceNegative cash flow

Year built

2002

Sqft

1,653

Lot sqft

11,800

HOA / mo

None

Furnished

Yes

List date

2026-09-29T16:44:58.000000Z

Revenue

Annual revenue

$27,916

ADR

$236

Occupancy

32%

Cleaning fees (12 mo)

$6,217

Confidence

Low (39.89), 48 comps

Comp revenue range (p25 / median / p75)

$12,806$26,998$37,825
  • Angel’s Nest: Cozy Private Moonridge Cabin ! WiFi

    Cabin · 2 bd · 1 ba · sleeps 6 · 95 ft

    Revenue $13,432ADR $247Occ ≈ 15%5★ (158)

    AirbnbVrbo

  • Tranquil 2-bedroom house with Peakaboo views of lake and slope in Big Bear

    House · 2 bd · 1 ba · sleeps 6 · 190 ft

    Revenue $3,378ADR $112Occ ≈ 8%—

    Vrbo

  • Breathtaking Lake and Mountain View A-Frame!

    Chalet · 2 bd · 2 ba · sleeps 6 · 338 ft

    Revenue $32,117ADR $363Occ ≈ 24%5★ (179)

    Airbnb

  • Mondbärenhaus | fun-cozy-modern-view-architectural

    Cabin · 2 bd · 2 ba · sleeps 6 · 371 ft

    Revenue $11,865ADR $177Occ ≈ 18%5★ (15)

    Airbnb

  • The Wolf Chalet 🐺 near Bear Mt, Zoo, Golf, Trails🐾

    Cabin · 2 bd · 2 ba · sleeps 7 · 404 ft

    Revenue $26,378ADR $271Occ ≈ 27%5★ (137)

    Airbnb

  • Pets Allowed+Projector+BBQ+A/C | Wolf Moon Lodge

    Cabin · 2 bd · 2 ba · sleeps 6 · 456 ft

    Revenue $50,517ADR $421Occ ≈ 33%5★ (162)

    Airbnb

  • PANSIZE: Cozy Moonridge Chalet in the Wood

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

    Revenue $45,846ADR $160Occ ≈ 79%4.9★ (363)

    Airbnb

  • Canoe Cabin - Balcony Overlooking the Mountains

    House · 2 bd · 1 ba · sleeps 5 · 0.1 mi

    Revenue $17,829ADR $116Occ ≈ 42%4.8★ (79)

    Airbnb

  • Serene Pines

    Vacation home · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $37,480ADR $205Occ ≈ 50%4.8★ (3)

    Booking

  • Views,EBikes,SUPboards,Kayak,Central Location

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

    Revenue $42,988ADR $398Occ ≈ 30%4.8★ (58)

    Airbnb

Show all 48 comps
  • Private Retreat | Upgraded | Spa • Fire Pit • EV

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

    Revenue $51,255ADR $286Occ ≈ 49%5★ (133)

    AirbnbVrbo

  • @Silvertipcabin Fireplace, Hot tub & Views

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

    Revenue $10,419ADR $339Occ ≈ 8%4.9★ (10)

    Airbnb

  • Serene View Chalet | Hot Tub - King Beds Mtn Views

    House · 2 bd · 1.5 ba · sleeps 5 · 0.1 mi

    Revenue $38,852ADR $277Occ ≈ 38%4.7★ (118)

    AirbnbVrboBooking

  • Bluebeary Cabin - Weekend Special, Spa, Dogs ok

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

    Revenue $23,047ADR $245Occ ≈ 26%4.8★ (209)

    AirbnbVrbo

  • Pet Friendly! Modern Mid-Century! AC Unit!

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

    Revenue $27,618ADR $212Occ ≈ 36%4.9★ (60)

    AirbnbVrbo

  • New Yena Cabin in Moonridge

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

    Revenue $13,172ADR $374Occ ≈ 10%4.9★ (32)

    AirbnbVrboBooking

  • Cozy Moonridge Cabin | Fireplace, Pet-Friendly

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

    Revenue $751ADR $150Occ ≈ 1%4★ (1)

    Airbnb

  • Peaceful Retreat w/ Private Hot Tub

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

    Revenue $33,014ADR $261Occ ≈ 35%4.5★ (21)

    AirbnbVrboBooking

  • Après-Ski Romantic Retreat | Hot Tub | AC | Dogs

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

    Revenue $1,833ADR $183Occ ≈ 3%4.8★ (4)

    AirbnbVrbo

  • The Bunk House: Slope Views!Fireplace!Propane BBQ!

    House · 2 bd · 1 ba · sleeps 3 · 0.2 mi

    Revenue $25,057ADR $184Occ ≈ 37%4.6★ (82)

    AirbnbVrbo

  • Kalami Wolf Cabin with Mountain Views, Hot Tub

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

    Revenue $36,019ADR $221Occ ≈ 45%4.5★ (100)

    Airbnb

  • True Mountain Charmer w/Views & Cozy Deck

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

    Revenue $11,253ADR $298Occ ≈ 10%4.6★ (52)

    AirbnbVrboBooking

  • Rustic Cabin near Moonridge Zoo & Bear Mountain!

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

    Revenue $22,667ADR $238Occ ≈ 26%5★ (91)

    AirbnbVrbo

  • Maison Solange-Sweet Red Barn Farmhouse- Moonridge

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

    Revenue $18,530ADR $241Occ ≈ 21%5★ (92)

    AirbnbVrboBooking

  • The Drowsy Den + Firepit/BBQ + Large Patio!

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

    Revenue $40,115ADR $196Occ ≈ 56%4.6★ (28)

    AirbnbVrboBooking

  • Serene Peekaboo Views | SPA, Large Decks & Games

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

    Revenue $36,641ADR $228Occ ≈ 44%4.8★ (42)

    Airbnb

  • Stunning views+deck+BBQ+pet-friendly+mins to all

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

    Revenue $25,019ADR $259Occ ≈ 26%5★ (148)

    AirbnbVrbo

  • Cozy 2 bedroom, Smart TV, Barbecue, Deck

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

    Revenue $9,242ADR $314Occ ≈ 8%4.7★ (39)

    AirbnbVrboBooking

  • Blue Moon Cabin- Hot Tub! Stylish! Pet friendly!

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

    Revenue $53,659ADR $280Occ ≈ 53%5★ (114)

    Airbnb

  • Moonridge 2BR Cabin | Hot Tub & Forest Views

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

    Revenue $258ADR $129Occ ≈ 1%—

    Airbnb

  • Cozy Moon Cabin

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

    Revenue $37,482ADR $216Occ ≈ 48%4.7★ (128)

    AirbnbVrboBooking

  • Pinewood Inn at Big Bear- Hot Tub- Central Area

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

    Revenue $28,644ADR $452Occ ≈ 17%4.2★ (33)

    AirbnbVrboBooking

  • Mountain Dog Meadow Retreat-backs to Nat’l forest

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

    Revenue $15,490ADR $157Occ ≈ 27%5★ (34)

    Airbnb

  • Cozy Haven Central Cottage at Big Bear

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

    Revenue $11,176ADR $289Occ ≈ 11%4.7★ (26)

    AirbnbVrboBooking

  • Pinewood inn #2093

    Vacation home · 2 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $32,640ADR $387Occ ≈ 23%—

    Booking

  • August Special - King Bed, Pet friendly, Golf, Zoo

    Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.2 mi

    Revenue $16,430ADR $232Occ ≈ 19%4.9★ (132)

    Airbnb

  • The 717 - Upper Moonridge - VERY Close to Resorts!

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

    Revenue $43,430ADR $177Occ ≈ 67%5★ (373)

    AirbnbVrboBooking

  • Treehaus Chalet | Epic Mtn Views & Hot Tub!

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

    Revenue $52,698ADR $306Occ ≈ 47%4.9★ (730)

    Airbnb

  • Bearfoot Bungalow - 2 Bedroom Cabin, sleeps 4

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

    Revenue $7,630ADR $161Occ ≈ 13%4.2★ (30)

    AirbnbVrbo

  • The Cozy Hollow + Large Yard + Location!

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

    Revenue $9,477ADR $183Occ ≈ 14%3.4★ (5)

    AirbnbVrbo

  • *Big Bear Gambrel*Hot Tub*Game Room*Central Cabin*

    Chalet · 2 bd · 2 ba · sleeps 10 · 0.2 mi

    Revenue $44,198ADR $508Occ ≈ 24%3.9★ (4)

    AirbnbVrboBooking

  • 2 Mi to Big Bear Lake! Family Haven w/ Hot Tub

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

    Revenue $4,179ADR $204Occ ≈ 6%5★ (3)

    AirbnbVrboBooking

  • The Perch - Forest Views, sleeps 7, Moonridge

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

    Revenue $13,119ADR $223Occ ≈ 16%4.8★ (20)

    Airbnb

  • Hot Tub + Fire Pit + Big Yard w/ Games

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

    Revenue $34,323ADR $286Occ ≈ 33%4.7★ (20)

    AirbnbVrboBooking

  • Charming Big Bear Cabin: Cozy Retreat

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

    Revenue $56,458ADR $211Occ ≈ 73%4.5★ (222)

    AirbnbVrboBooking

  • Trendy Mountain Retreat w/ Hot Tub & Cozy Fire Pit

    Cabin · 2 bd · 1 ba · sleeps 3 · 0.2 mi

    Revenue $35,830ADR $249Occ ≈ 39%4.9★ (153)

    AirbnbVrbo

  • Unique Artisan Retreat, Gorgeous Views, Hot Tub

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

    Revenue $35,306ADR $485Occ ≈ 20%5★ (49)

    Airbnb

  • Modern Rustic 2 Bedroom Sunset Cabin with Spa

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

    Revenue $50,872ADR $300Occ ≈ 46%5★ (153)

    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
Management
Term

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

Est. revenue

$27,916

NOI

$6,241

Cash flow /mo

-$2,713

Cash needed

$173,971

Cash-on-cash

-18.7%

ROE (yr 1)

-6.1%

Cap rate

1.0%

DSCR

0.16

Year-1 write-off

$109,184

Year-1 tax shield @ 32%

$34,939

Year-1 return on equity

  • Cash flow (annual)-$32,551
  • Principal paydown$3,926
  • Appreciation at%$17,997
ROE-6.1%

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)$5,583
  • Platform fees (3% of revenue)$837
  • Maintenance / capex (5% of revenue)$1,396
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$7,499
  • Insurance (STR-rated)$3,059

Cash needed to close

  • Down payment (25%)$149,975
  • Closing costs (4.0%)$23,996
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$34,939

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

$452,000

Short-life (5/15-yr)

$108,000 · 24%

Year-1 deduction

$109,000

Year-1 tax shield @ 32%

$35,000

Land 25% (county tax record, assessed value split) · building $344,000 over 39 years

Based on: 1,653 sq ft, built 2002, 2 bd / 2 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $64,000 in year 1 (14% short-life, $20,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$61,300
  • Kitchen cabinetsdefault

    $9,400 new × 40% good × 2.55 allocation

    $9,600
  • Kitchen countertopsdefault

    $7,700 new × 40% good × 2.55 allocation

    $7,900
  • Decorative trimdefault

    $2,900 new × 40% good × 2.55 allocation

    $2,900
  • Mirrorsdefault

    $300 new × 40% good × 2.55 allocation

    $300
  • Shelvingdefault

    $900 new × 40% good × 2.55 allocation

    $900
  • Window coverings (17)default

    $4,300 new × 40% good × 2.55 allocation

    $4,300
  • Carpet, vinyl & laminate (100% of floors)listing

    $10,600 new × 40% good × 2.55 allocation

    $10,800
  • Kitchen & laundry equipment plumbingdefault

    $7,300 new × 52% good × 2.55 allocation

    $9,700
  • Kitchen, laundry & data equipment electricaldefault

    $4,400 new × 52% good × 2.55 allocation

    $5,900
  • Appliances (range, microwave)listing

    $2,500 new × 40% good × 2.55 allocation

    $2,500
  • Furniture conveyed with the sale (used)listing

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

    $6,400
15-year land improvements$46,800
  • Paving: driveway & walks (paved)default

    $8,400 new × 50% good × 2.55 allocation

    $10,700
  • Landscaping (typical)default

    $8,100 new × 50% good × 2.55 allocation

    $10,300
  • Patiosdefault

    $1,600 new × 50% good × 2.55 allocation

    $2,100
  • Decks & porches (attached)listing

    $18,600 new × 50% good × 2.55 allocation

    $23,700
Building, 39-year$344,400
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $179,400 new × 60% good × 2.55 allocation

    $274,000
  • Building plumbing & fixturesdefault

    $18,600 new × 52% good × 2.55 allocation

    $24,600
  • Building electrical & lightingdefault

    $18,200 new × 52% good × 2.55 allocation

    $24,100
  • HVACdefault

    $18,600 new × 40% good × 2.55 allocation

    $19,000
  • Fireplacelisting

    $2,600 new × 40% good × 2.55 allocation

    $2,700

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$61,300$46,800$1,100$109,200
2$0$0$8,800$8,800
3$0$0$8,800$8,800
4$0$0$8,800$8,800
5$0$0$8,800$8,800
6+$0$0$307,900$307,900
Total$61,300$46,800$344,400$452,400

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.