459 Inyo Ave
Sugarloaf, CA 92386
$325,000
2 bd · 1 ba · 840 sqft · Listed 1d ago
View on Realtor.com →Year built
1979
Sqft
840
Lot sqft
2,500
HOA / mo
None
Furnished
Yes
List date
2026-09-29T16:44:58.000000Z
Revenue
Annual revenue
$22,390
ADR
$168
Occupancy
37%
Cleaning fees (12 mo)
$5,567
Confidence
Low (48.74), 49 comps
Comp revenue range (p25 / median / p75)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 482 ft
Revenue $532ADR $133Occ ≈ 1%3★ (1)
MtnMod! 2 Kings-Hot Tub-Fire Pit-Family Friendly
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $50,937ADR $217Occ ≈ 64%5★ (284)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
8 Mi to Big Bear Lake: Cabin w/ Deck & Fireplace Cabin | 2 bd · 1.5 ba · sleeps 6 | $22,731 | $205 | 30% | 5★ (34) | 135 ft | AirbnbVrboBooking |
Cute and Cozy Cottage- Big Bear Retreat Cabin | 2 bd · 2 ba · sleeps 4 | $15,570 | $967 | 4% | 3★ (5) | 308 ft | AirbnbVrboBooking |
Cozy Rustic Cottage in Sugarloaf Cabin | 2 bd · 2 ba · sleeps 4 | $14,817 | $188 | 22% | 4.9★ (12) | 358 ft | AirbnbVrbo |
Private/Spacious Cabin near Big Bear Cabin | 2 bd · 1.5 ba · sleeps 4 | $28,246 | $214 | 36% | 4.9★ (11) | 423 ft | AirbnbVrbo |
Bear Escapes II: Affordable Luxury Cabin Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $23,076 | $197 | 32% | 5★ (68) | 427 ft | AirbnbVrboBooking |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $532 | $133 | 1% | 3★ (1) | 482 ft | Vrbo |
Private Cabin in Quiet Valley w/ Hot Tub + Views House | 2 bd · 2 ba · sleeps 6 | $19,450 | $220 | 24% | 5★ (27) | 515 ft | AirbnbVrboBooking |
MtnMod! 2 Kings-Hot Tub-Fire Pit-Family Friendly Cabin | 2 bd · 1 ba · sleeps 4 | $50,937 | $217 | 64% | 5★ (284) | 0.1 mi | Airbnb |
Updated pet-friendly home with fenced yard deck House | 2 bd · 2 ba · sleeps 6 | $13,718 | $215 | 17% | 4.3★ (17) | 0.1 mi | AirbnbVrboBooking |
King bed | Hot Tub | Wood Fireplace | Sleep 6 Cabin | 2 bd · 1 ba · sleeps 6 | $16,105 | $197 | 22% | 4.9★ (72) | 0.1 mi | AirbnbVrboBooking |
Show all 49 comps
Sugarloaf Hideaway
Cabin · 2 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $19,304ADR $243Occ ≈ 22%4.8★ (42)
The Eagles Nest Hot Tub BBQ Modern Retreat
Chalet · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $23,043ADR $262Occ ≈ 24%3.5★ (1)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $3,514ADR $195Occ ≈ 5%—
The Sugarloaf Shack is Cozy / Dog friendly!
Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $36,325ADR $155Occ ≈ 64%5★ (161)
Cozy Mountain Cabin | Relax | Hike | Lake Nearby
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $34,790ADR $163Occ ≈ 58%4.9★ (157)
SandyBear Cabin! Open floor plan & covered patio!
Cabin · 2 bd · 2 ba · sleeps 5 · 0.2 mi
Revenue $20,919ADR $243Occ ≈ 24%4.8★ (171)
Lil’, Cozy Cabin & Fireplace + Firepit + BBQ grill
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $7,988ADR $232Occ ≈ 9%4.8★ (14)
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $10,702ADR $149Occ ≈ 20%4.9★ (48)
Cozy Quiet Cabin Escape
House · 2 bd · 1.5 ba · sleeps 6 · 0.3 mi
Revenue $26,392ADR $155Occ ≈ 47%4.9★ (107)
2 Bedroom Cabin
Cabin · 2 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $14,599ADR $136Occ ≈ 29%4.9★ (9)
Cheerful-2 bedroom cabin with indoor fireplace
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.3 mi
Revenue $13,125ADR $173Occ ≈ 21%4.8★ (46)
Cozy cabin mountain getaway
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $22,506ADR $147Occ ≈ 42%4.9★ (130)
Big Bear/Sugarloaf 2br 1ba house fenced backyard
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $12,371ADR $115Occ ≈ 29%4.8★ (77)
Raven's Nest: Peaceful Mountain Getaway
House · 2 bd · 1.5 ba · sleeps 6 · 0.3 mi
Revenue $37,198ADR $196Occ ≈ 52%4.8★ (135)
Cozy Cabin Retreat
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $15,999ADR $209Occ ≈ 21%4.5★ (741)
Apres chalet #2364
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $36,293ADR $370Occ ≈ 27%—
Apres Chalet Retreat | Pet-Friendly Cottage | Hot Tub | Nature Escape
Vacation home · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $30,498ADR $309Occ ≈ 27%—
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball!
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $34,444ADR $180Occ ≈ 52%4.9★ (106)
Winter Escape & Summer Getaway Cabin Big Bear
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $30,306ADR $120Occ ≈ 69%4.8★ (151)
Spacious 2 bedroom cabin / PET FRIENDLY Modernized
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $42,315ADR $167Occ ≈ 69%5★ (391)
Between-the-Pines Cozy Cabin
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $12,293ADR $339Occ ≈ 10%5★ (25)
Resort feel 2 BR cabin w/Hot tub Big Bear Secluded
Cabin · 2 bd · 1 ba · sleeps 5 · 0.4 mi
Revenue $27,999ADR $234Occ ≈ 33%4.8★ (107)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Near Slopes & Shores: Pet-Friendly Sugarloaf Gem Cabin | 2 bd · 1 ba · sleeps 6 | $17,674 | $211 | 23% | 4.8★ (37) | 0.1 mi | AirbnbVrboBooking |
Sugarloaf Hideaway Cabin | 2 bd · 2 ba · sleeps 6 | $19,304 | $243 | 22% | 4.8★ (42) | 0.1 mi | Airbnb |
The Eagles Nest Hot Tub BBQ Modern Retreat Chalet | 2 bd · 1 ba · sleeps 4 | $23,043 | $262 | 24% | 3.5★ (1) | 0.1 mi | Booking |
Ever Serene Cabin at Sugarloaf Cabin | 2 bd · 1 ba · sleeps 4 | $11,005 | $61 | 49% | — | 0.1 mi | AirbnbVrbo |
Cozy Modern Cabin | Hot Tub | FirePit | Mini Golf Cabin | 2 bd · 1 ba · sleeps 6 | $38,547 | $296 | 36% | 4.7★ (37) | 0.2 mi | AirbnbVrbo |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $3,514 | $195 | 5% | — | 0.2 mi | Vrbo |
The Sugarloaf Shack is Cozy / Dog friendly! Cabin | 2 bd · 1 ba · sleeps 5 | $36,325 | $155 | 64% | 5★ (161) | 0.2 mi | Airbnb |
Cozy Mountain Cabin | Relax | Hike | Lake Nearby Cabin | 2 bd · 1 ba · sleeps 6 | $34,790 | $163 | 58% | 4.9★ (157) | 0.2 mi | Airbnb |
SandyBear Cabin! Open floor plan & covered patio! Cabin | 2 bd · 2 ba · sleeps 5 | $20,919 | $243 | 24% | 4.8★ (171) | 0.2 mi | Airbnb |
Sugarloaf Cutie w/Wood Burning Fireplace. Cabin | 2 bd · 1 ba · sleeps 6 | $15,483 | $242 | 18% | 4.5★ (41) | 0.2 mi | AirbnbVrboBooking |
Lil’, Cozy Cabin & Fireplace + Firepit + BBQ grill Cabin | 2 bd · 1 ba · sleeps 6 | $7,988 | $232 | 9% | 4.8★ (14) | 0.2 mi | Airbnb |
6 Mi-to Lake,Shops,Slopes+Dog Friendly+Fenced Yard Cabin | 2 bd · 2 ba · sleeps 6 | $22,573 | $184 | 34% | 5★ (63) | 0.2 mi | AirbnbVrbo |
Ohana Pines Cabin Cabin | 2 bd · 1 ba · sleeps 5 | $11,527 | $282 | 11% | 5★ (52) | 0.2 mi | AirbnbVrbo |
Riverside Retreat | Cozy Big Bear Cabin Cabin | 2 bd · 1 ba · sleeps 4 | $21,187 | $152 | 38% | 5★ (31) | 0.2 mi | AirbnbVrbo |
Cozy Red Cabin - Private Backyard with Hot Tub! Cabin | 2 bd · 2 ba · sleeps 5 | $41,874 | $119 | 96% | 4.8★ (8) | 0.2 mi | AirbnbVrboBooking |
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub Cabin | 2 bd · 1 ba · sleeps 6 | $10,702 | $149 | 20% | 4.9★ (48) | 0.2 mi | Airbnb |
Cozy Quiet Cabin Escape House | 2 bd · 1.5 ba · sleeps 6 | $26,392 | $155 | 47% | 4.9★ (107) | 0.3 mi | Airbnb |
Romantic Retreat, Hot Tub Gazebo, Unique Decor Cabin | 2 bd · 1 ba · sleeps 6 | $20,546 | $213 | 26% | 5★ (65) | 0.3 mi | AirbnbVrbo |
2 Bedroom Cabin Cabin | 2 bd · 2 ba · sleeps 8 | $14,599 | $136 | 29% | 4.9★ (9) | 0.3 mi | Airbnb |
Cheerful-2 bedroom cabin with indoor fireplace Cabin | 2 bd · 1.5 ba · sleeps 6 | $13,125 | $173 | 21% | 4.8★ (46) | 0.3 mi | Airbnb |
Gnome Charm, 2 bedroom. Avail for 2026 ski season. Cabin | 2 bd · 1 ba · sleeps 4 | $7,084 | $87 | 22% | 5★ (82) | 0.3 mi | AirbnbVrbo |
Cozy cabin mountain getaway Cabin | 2 bd · 1 ba · sleeps 6 | $22,506 | $147 | 42% | 4.9★ (130) | 0.3 mi | Airbnb |
Cozy Cabin-EV Charging, Hot Tub & Fireplace Cabin | 2 bd · 1 ba · sleeps 6 | $18,716 | $213 | 24% | 4.8★ (85) | 0.3 mi | AirbnbVrbo |
Big Bear/Sugarloaf 2br 1ba house fenced backyard Cabin | 2 bd · 1 ba · sleeps 4 | $12,371 | $115 | 29% | 4.8★ (77) | 0.3 mi | Airbnb |
Family Friendly w/Fenced Yard & Game Room Cabin | 2 bd · 2 ba · sleeps 6 | $18,010 | $292 | 17% | 5★ (23) | 0.3 mi | AirbnbVrboBooking |
Mountain Tree House *W/Fireplace, BBQ, Fire-pit* Cabin | 2 bd · 1 ba · sleeps 6 | $18,717 | $224 | 23% | 4.8★ (99) | 0.3 mi | AirbnbVrbo |
Raven's Nest: Peaceful Mountain Getaway House | 2 bd · 1.5 ba · sleeps 6 | $37,198 | $196 | 52% | 4.8★ (135) | 0.3 mi | Airbnb |
Cozy Cabin Retreat Cabin | 2 bd · 1 ba · sleeps 4 | $15,999 | $209 | 21% | 4.5★ (741) | 0.3 mi | Airbnb |
Apres Chalet at Big Bear- Log Cabin Retreat w/ Spa Cabin | 2 bd · 1.5 ba · sleeps 4 | $25,611 | $343 | 20% | 4.7★ (21) | 0.3 mi | AirbnbVrbo |
Rustic Big Bear Cabin • A/C • Pet Friendly Cabin | 2 bd · 1 ba · sleeps 6 | $14,870 | $154 | 26% | 5★ (14) | 0.3 mi | AirbnbVrbo |
Apres chalet #2364 Vacation home | 2 bd · 1 ba · sleeps 4 | $36,293 | $370 | 27% | — | 0.3 mi | Booking |
Apres Chalet Retreat | Pet-Friendly Cottage | Hot Tub | Nature Escape Vacation home | 2 bd · 2 ba · sleeps 4 | $30,498 | $309 | 27% | — | 0.3 mi | Booking |
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball! Cabin | 2 bd · 1 ba · sleeps 4 | $34,444 | $180 | 52% | 4.9★ (106) | 0.3 mi | Airbnb |
Imperial Alpine Cabin | Forest Snow Escape House | 2 bd · 1 ba · sleeps 5 | $43,024 | $283 | 42% | 5★ (10) | 0.3 mi | AirbnbVrbo |
Winter Escape & Summer Getaway Cabin Big Bear Cabin | 2 bd · 1 ba · sleeps 6 | $30,306 | $120 | 69% | 4.8★ (151) | 0.3 mi | Airbnb |
Spacious 2 bedroom cabin / PET FRIENDLY Modernized Cabin | 2 bd · 1 ba · sleeps 6 | $42,315 | $167 | 69% | 5★ (391) | 0.4 mi | Airbnb |
Between-the-Pines Cozy Cabin Cabin | 2 bd · 1 ba · sleeps 6 | $12,293 | $339 | 10% | 5★ (25) | 0.4 mi | Airbnb |
Resort feel 2 BR cabin w/Hot tub Big Bear Secluded Cabin | 2 bd · 1 ba · sleeps 5 | $27,999 | $234 | 33% | 4.8★ (107) | 0.4 mi | Airbnb |
Cute, Cozy, Peaceful Getaway, Fenced Yard Cabin | 2 bd · 1 ba · sleeps 4 | $8,643 | $242 | 10% | 5★ (17) | 0.4 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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$22,390
NOI
$6,688
Cash flow /mo
-$1,194
Cash needed
$94,250
Cash-on-cash
-15.2%
ROE (yr 1)
-2.6%
Cap rate
2.1%
DSCR
0.32
Year-1 write-off
$106,105
Year-1 tax shield @ 32%
$33,953
Year-1 return on equity
- Cash flow (annual)-$14,327
- Principal paydown$2,127
- Appreciation at%$9,750
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)$4,478
- Platform fees (3% of revenue)$672
- Maintenance / capex (5% of revenue)$1,120
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,063
- Insurance (STR-rated)$1,658
Cash needed to close
- Down payment (25%)$81,250
- Closing costs (4.0%)$13,000
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$33,953
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
$280,000
Short-life (5/15-yr)
$106,000 · 38%
Year-1 deduction
$106,000
Year-1 tax shield @ 32%
$34,000
Land 14% (county tax record, assessed value split) · building $174,000 over 39 years
Based on: 840 sq ft, built 1979, 2 bd / 1 ba, furnished, listing features (deck, fence, fireplace, stone counters, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $64,000 in year 1 (23% short-life, $20,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $10,900
Kitchen cabinetsdefault
$7,600 new × 40% good × 3.55 allocation
- $11,100
Kitchen countertops (stone)listing
$7,800 new × 40% good × 3.55 allocation
- $2,100
Decorative trimdefault
$1,500 new × 40% good × 3.55 allocation
- $200
Mirrorsdefault
$200 new × 40% good × 3.55 allocation
- $1,300
Shelvingdefault
$900 new × 40% good × 3.55 allocation
- $2,800
Window coverings (8)default
$2,000 new × 40% good × 3.55 allocation
- $3,800
Carpet, vinyl & laminate (50% of floors)listing
$2,700 new × 40% good × 3.55 allocation
- $8,400
Kitchen & laundry equipment plumbingdefault
$5,900 new × 40% good × 3.55 allocation
- $5,100
Kitchen, laundry & data equipment electricaldefault
$3,600 new × 40% good × 3.55 allocation
- $3,600
Appliances (range, microwave)listing
$2,500 new × 40% good × 3.55 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $10,700
Paving: driveway & walks (paved)listing
$6,000 new × 50% good × 3.55 allocation
- $10,300
Landscaping (typical)default
$5,800 new × 50% good × 3.55 allocation
- $1,500
Patiosdefault
$800 new × 50% good × 3.55 allocation
- $16,800
Decks & porches (attached)listing
$9,500 new × 50% good × 3.55 allocation
- $10,700
Fencinglisting
$6,000 new × 50% good × 3.55 allocation
- $128,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$90,700 new × 40% good × 3.55 allocation
- $13,300
Building plumbing & fixturesdefault
$9,400 new × 40% good × 3.55 allocation
- $11,200
Building electrical & lightingdefault
$7,900 new × 40% good × 3.55 allocation
- $13,400
HVACdefault
$9,500 new × 40% good × 3.55 allocation
- $3,800
Hardwood & tile floorsdefault
$2,700 new × 40% good × 3.55 allocation
- $3,700
Fireplacelisting
$2,600 new × 40% good × 3.55 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $55,700 | $49,800 | $600 | $106,100 |
| 2 | $0 | $0 | $4,500 | $4,500 |
| 3 | $0 | $0 | $4,500 | $4,500 |
| 4 | $0 | $0 | $4,500 | $4,500 |
| 5 | $0 | $0 | $4,500 | $4,500 |
| 6+ | $0 | $0 | $156,000 | $156,000 |
| Total | $55,700 | $49,800 | $174,500 | $280,000 |
The building's share of the price ($274,000) is 3.6x our depreciated replacement cost of the home ($77,000). 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 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.