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Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium

750 Villa Grove Ave Lot 2

750 Villa Grove Ave Lot 2

Big Bear City, CA 92314

$724,999

3 bd · 2 ba · Listed today

View on Realtor.com →
Low confidenceNegative cash flow

Year built

1963

Sqft

—

Lot sqft

27,839

HOA / mo

None

Furnished

Yes

List date

2026-10-14T03:20:12.000000Z

Revenue

Annual revenue

$34,173

ADR

$295

Occupancy

32%

Cleaning fees (12 mo)

$6,586

Confidence

Low (28.93), 49 comps

Comp revenue range (p25 / median / p75)

$15,692$28,415$43,112

Median revenue of shown comps: $29,802

  • Outdoor Living! Hot Tub! Close to Bear Mountain!

    House · 3 bd · 2.5 ba · sleeps 7 · 167 ft

    Revenue $39,161ADR $306Occ ≈ 35%4.7★ (158)

    AirbnbVrbo

  • Big Bear Cabin 4U - Fenced yard on heavily treed lot, experience a true Big Bear Cabin!

    Vacation home · 3 bd · 1 ba · sleeps 8 · 167 ft

    Revenue $4,716ADR $136Occ ≈ 10%—

    Booking

  • Cabin in the trees.

    House · 3 bd · 1 ba · sleeps 8 · 240 ft

    Revenue $12,814ADR $270Occ ≈ 13%4.2★ (10)

    Airbnb

  • Woodpecker Lodge Backyard is National Forest w/spa

    Cabin · 3 bd · 2 ba · sleeps 8 · 299 ft

    Revenue $16,662ADR $326Occ ≈ 14%4.9★ (75)

    AirbnbVrbo

  • The M Lodge/ Firepit/ close to slopes and lake

    Cabin · 3 bd · 2 ba · sleeps 6 · 302 ft

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

    Revenue $3,617ADR $325Occ ≈ 3%5★ (3)

    Airbnb

  • Lake views from Jacuzzi, Secluded, Fun game room!

    House · 3 bd · 2 ba · sleeps 9 · 328 ft

    Revenue $86,185ADR $308Occ ≈ 77%4.8★ (482)

    AirbnbVrbo

  • Hot Tub! FIRE PIT! Log Cabin! BEST Game Room -YBD

    House · 3 bd · 2 ba · sleeps 8 · 361 ft

    Revenue $34,731ADR $600Occ ≈ 16%4.8★ (77)

    AirbnbVrbo

  • Moonridge Cottage - Close to Ski/MTB/Village/Lake

    Cabin · 3 bd · 2 ba · sleeps 8 · 364 ft

    Revenue $13,680ADR $368Occ ≈ 10%5★ (41)

    Airbnb

  • Mountain Villa with Jacuzzi

    Chalet · 3 bd · 3 ba · sleeps 10 · 377 ft

    Revenue $16,900ADR $396Occ ≈ 12%4.7★ (123)

    AirbnbVrbo

  • Modern Chalet | Jetted Spa Tub + Forest Views

    Cabin · 3 bd · 2 ba · sleeps 10 · 387 ft

    Revenue $38,118ADR $546Occ ≈ 19%4.1★ (21)

    AirbnbVrboBooking

Show 38 more
  • I love view #1475

    Vacation home · 3 bd · 2 ba · sleeps 10 · 387 ft

    Revenue $54,551ADR $599Occ ≈ 25%—

    Booking

  • Upper Moonridge Retreat•Spa•Treehouse • Sleeps 10

    House · 3 bd · 3 ba · sleeps 10 · 453 ft

    Revenue $45,137ADR $431Occ ≈ 29%5★ (19)

    AirbnbVrbo

  • Peaceful Pines - Modern Mountain Hideaway

    House · 3 bd · 2 ba · sleeps 8 · 466 ft

    Revenue $16,843ADR $450Occ ≈ 10%5★ (16)

    Airbnb

  • Aspen Bear Retreat Hot Tub & Mountain Views

    Cabin · 3 bd · 2 ba · sleeps 8 · 489 ft

    Revenue $7,167ADR $324Occ ≈ 6%5★ (1)

    AirbnbVrboBooking

  • Hideaway Haven | Near Lake, Spa, Sauna, Game Rm!

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

    Revenue $58,547ADR $285Occ ≈ 56%4.8★ (39)

    AirbnbVrbo

  • Big Bear Cabin - Hot Tub, AC, EV Charger, Arcade

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +5

    Revenue $40,360ADR $371Occ ≈ 30%5★ (28)

    AirbnbVrbo

  • Big Bear Escape! Hot Tub, Pool Table & Views

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi

    Revenue $54,866ADR $472Occ ≈ 32%4.3★ (6)

    AirbnbVrboBooking

  • *New* The Bird’s Nest

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

    Revenue $18,828ADR $248Occ ≈ 21%4.4★ (19)

    Airbnb

  • Basecamp, Modern A Frame Retreat w Spa & Fireplace

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $15,331ADR $329Occ ≈ 13%4.5★ (2)

    AirbnbVrboBooking

  • Moon Palace Escape at Big Bear Lake

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $50,309ADR $973Occ ≈ 14%—

    Booking

  • Moon Palace Escape at Big Bear Lake

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

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

    Revenue $28,415ADR $546Occ ≈ 14%4.7★ (13)

    AirbnbVrboBooking

  • BlueMoon 🌙• Modern Remodel • Spa • Pets Ok •🌲 Views • Arcade

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $44,359ADR $379Occ ≈ 32%4.9★ (131)

    AirbnbVrboBooking

  • Updated Cabin Home with Hot Tub, Two Decks, Game Room, Fireplace

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

    Revenue $11,719ADR $0Occ ≈ ——

    Delisted

  • 2 Large Decks & Hot Tub! Big Bear Cabin Getaway

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

    • Wifi
    • Kitchen
    • Washer
    • Fireplace
    • +1

    Revenue $17,843ADR $293Occ ≈ 17%4.7★ (7)

    AirbnbVrboBooking

  • The Luna Lodge | Air Hockey & Foosball | Peaceful

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    Revenue $26,224ADR $425Occ ≈ 17%5★ (66)

    Airbnb

  • Panoramic Views • Hot Tub • Moonridge • 3BR

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

    Revenue $68,550ADR $304Occ ≈ 62%5★ (52)

    AirbnbVrbo

  • Beautiful and Enchanting Retreat with Hot Tub & Fire Pit – A Perfect Getaway!

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

    Revenue $908ADR $282Occ ≈ 1%—

    Delisted

  • Dreamscape Villa backs ot the forest! Spa, pool ta

    House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +4

    Revenue $32,817ADR $330Occ ≈ 27%4.2★ (97)

    AirbnbVrboBooking

  • Birdsong Terrace Cozy Cabin near slopes Moonridge

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $19,371ADR $204Occ ≈ 26%4.7★ (211)

    Airbnb

  • Backyard Sledding + Forest View

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

    Revenue $15,394ADR $406Occ ≈ 10%4.8★ (22)

    AirbnbVrbo

  • Book Your Big Bear Ski Vacation @ Serenity Peak

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

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

    Revenue $19,652ADR $517Occ ≈ 10%4.9★ (52)

    AirbnbVrbo

  • Bear Moon Manor with a Hot Tub

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi

    Revenue $78,247ADR $342Occ ≈ 63%—

    Booking

  • Hot Tub & Private Decks

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

    Revenue $34,824ADR $298Occ ≈ 32%4.9★ (227)

    AirbnbVrbo

  • Moonridge M Lodge Outdoor Firepits Minutes Slopes!

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

    Revenue $43,112ADR $267Occ ≈ 44%5★ (84)

    Delisted

  • Butte Bungalow|AC, near trails, lake, spa, dogs ok

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

    Revenue $31,188ADR $364Occ ≈ 23%4.8★ (25)

    AirbnbVrbo

  • Big Bear Lake Cabin W/Spa Mountain view

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

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

    Revenue $8,505ADR $211Occ ≈ 11%4.5★ (7)

    AirbnbVrboBooking

  • Mountain Hideaway | Private Hot Tub, Firepit & BBQ

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

    Revenue $2,248ADR $321Occ ≈ 2%—

    Delisted

  • New! Bearadise ~ Wooded Mountain Retreat

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

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

    Revenue $2,755ADR $162Occ ≈ 5%5★ (2)

    AirbnbVrboBooking

  • Hot Tub, Fire Pit & Views | Near Lake & Village

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $74,576ADR $359Occ ≈ 57%5★ (67)

    Airbnb

  • Amazing Views, Hot Tub, Foosball, Barbecue

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

    Revenue $87,540ADR $774Occ ≈ 31%4.8★ (17)

    AirbnbVrboBooking

  • Daniel’s Cabin / HotTub & Incredible Big Bear View

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

    Revenue $41,652ADR $340Occ ≈ 34%4.8★ (266)

    Delisted

  • Blissful Butte Retreat A Modern Winter Escape

    House · 3 bd · 1.5 ba · sleeps 8 · 0.2 mi

    Revenue $35,418ADR $243Occ ≈ 40%5★ (12)

    AirbnbVrboBooking

  • Legacy at the Cabin - Big Bear Lake

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi

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

    Revenue $22,412ADR $312Occ ≈ 20%4.7★ (153)

    AirbnbVrbo

  • Upscale cabin, mini-split AC, spa, pool table

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

    Revenue $75,835ADR $300Occ ≈ 69%5★ (372)

    Airbnb

  • Classic Cabin Feel, Modern Comfort

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

    Revenue $20,753ADR $360Occ ≈ 16%4.5★ (13)

    AirbnbVrboBooking

  • Resort-Style Hot Tub, Sauna & Putting Green!

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

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

    Revenue $33,564ADR $282Occ ≈ 33%4.8★ (14)

    AirbnbVrbo

  • Heavenly Retreat: Billiards, Glimpse of Lake, BBQ

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $42,584ADR $378Occ ≈ 31%4.9★ (100)

    Airbnb

  • Renovated Moonridge Cabin w/ Hot Tub & Lake Views!

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

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $18,741ADR $208Occ ≈ 25%4.5★ (9)

    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 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium

Est. revenue

$34,173

NOI

$8,732

Cash flow /mo

-$3,319

Cash needed

$210,250

Cash-on-cash

-18.9%

ROE (yr 1)

-6.5%

Cap rate

1.2%

DSCR

0.18

Year-1 write-off

$99,054

Year-1 tax shield @ 32%

$31,697

Year-1 return on equity

  • Cash flow (annual)-$39,830
  • Principal paydown$4,409
  • Appreciation at%$21,750
ROE-6.5%

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)$6,835
  • Platform fees (3% of revenue)$1,025
  • Maintenance / capex (5% of revenue)$1,709
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$9,062
  • Insurance (STR-rated)$3,697

Cash needed to close

  • Down payment (25%)$181,250
  • Closing costs (4.0%)$29,000
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$31,697

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

$307,000

Short-life (5/15-yr)

$99,000 · 32%

Year-1 deduction

$99,000

Year-1 tax shield @ 32%

$32,000

Land 58% (county tax record, assessed value split) · building $208,000 over 39 years

Based on: ~1,900 sq ft (from beds), built 1963, 3 bd / 2 ba, furnished, listing features (deck, patio, fireplace, stone counters, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $60,000 in year 1 (20% short-life, $19,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$51,800
  • Kitchen cabinetsdefault

    $10,000 new × 40% good × 1.89 allocation

    $7,500
  • Kitchen countertops (stone)listing

    $10,200 new × 40% good × 1.89 allocation

    $7,700
  • Decorative trimdefault

    $3,300 new × 40% good × 1.89 allocation

    $2,500
  • Mirrorsdefault

    $300 new × 40% good × 1.89 allocation

    $200
  • Shelvingdefault

    $1,200 new × 40% good × 1.89 allocation

    $900
  • Window coverings (19)default

    $4,800 new × 40% good × 1.89 allocation

    $3,600
  • Carpet, vinyl & laminate (100% of floors)listing

    $12,200 new × 40% good × 1.89 allocation

    $9,200
  • Kitchen & laundry equipment plumbingdefault

    $7,800 new × 40% good × 1.89 allocation

    $5,800
  • Kitchen, laundry & data equipment electricaldefault

    $4,700 new × 40% good × 1.89 allocation

    $3,500
  • Appliances (microwave, dishwasher, refrigerator)listing

    $3,900 new × 40% good × 1.89 allocation

    $2,900
  • Furniture conveyed with the sale (used)listing

    $19,500 new × 40% good · out of the price

    $7,800
15-year land improvements$47,100
  • Paving: driveway & walks (paved)default

    $11,300 new × 50% good × 1.89 allocation

    $10,600
  • Landscaping (typical)default

    $8,700 new × 50% good × 1.89 allocation

    $8,200
  • Patioslisting

    $8,600 new × 50% good × 1.89 allocation

    $8,100
  • Decks & porches (attached)listing

    $21,400 new × 50% good × 1.89 allocation

    $20,200
Building, 39-year$207,800
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $206,100 new × 40% good × 1.89 allocation

    $155,500
  • Building plumbing & fixturesdefault

    $21,400 new × 40% good × 1.89 allocation

    $16,100
  • Building electrical & lightingdefault

    $21,400 new × 40% good × 1.89 allocation

    $16,100
  • HVACdefault

    $21,400 new × 40% good × 1.89 allocation

    $16,100
  • Fireplaces (2)listing

    $5,300 new × 40% good × 1.89 allocation

    $4,000

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$51,800$47,100$200$99,100
2$0$0$5,300$5,300
3$0$0$5,300$5,300
4$0$0$5,300$5,300
5$0$0$5,300$5,300
6+$0$0$186,300$186,300
Total$51,800$47,100$207,800$306,600

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.