248 Vista Ln
Sugarloaf, CA 92386
$399,900
4 bd · 2 ba · 1,750 sqft · Listed 1d ago
View on Realtor.com →Year built
1987
Sqft
1,750
Lot sqft
5,001
HOA / mo
$0
Furnished
No
List date
2026-10-01T15:49:27.000000Z
Revenue
Annual revenue
$35,129
ADR
$410
Occupancy
23%
Cleaning fees (12 mo)
$6,739
Confidence
Low (37.28), 23 comps
Comp revenue range (p25 / median / p75)
* Oak & Stone Lodge * Central A/C * Game Room*Deck
Cabin · 4 bd · 2 ba · sleeps 8 · 351 ft
Revenue $50,008ADR $505Occ ≈ 27%5★ (115)
Sugar Bear Pines Cozy Mountain Retreat
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $37,145ADR $604Occ ≈ 17%—
Fully Equipped Mountain Escape 10 Min from Town
House · 4 bd · 2.5 ba · sleeps 10 · 0.1 mi
Revenue $25,149ADR $521Occ ≈ 13%4.9★ (44)
Serene Retreat | Free EV Charger | New Grill
Cottage · 4 bd · 2 ba · sleeps 10 · 0.2 mi
Revenue $52,782ADR $317Occ ≈ 46%4.7★ (44)
Pet Friendly lodge sleeps 4-10
House · 4 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $29,926ADR $298Occ ≈ 28%4.8★ (48)
Highland Oaks Retreat at Big Bear- Relaxing Sugarloaf Cottage w/ Hot Tub
Vacation home · 4 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $27,254ADR $461Occ ≈ 16%—
Sugarloafing ~ Dog-friendly cabin with hot tub, covered porch, fireplace, grill, & W/D
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $56,051ADR $1,168Occ ≈ 13%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
* Oak & Stone Lodge * Central A/C * Game Room*Deck Cabin | 4 bd · 2 ba · sleeps 8 | $50,008 | $505 | 27% | 5★ (115) | 351 ft | Airbnb |
Sugar Bear Pines Cozy Mountain Retreat Vacation home | 4 bd · 2 ba · sleeps 8 | $37,145 | $604 | 17% | — | 0.1 mi | Booking |
Sugar Bear Pines Cozy Sugarloaf Mountain Retreat Cabin | 4 bd · 1.5 ba · sleeps 8 | $25,816 | $554 | 13% | 4.3★ (10) | 0.1 mi | AirbnbVrboBooking |
Fully Equipped Mountain Escape 10 Min from Town House | 4 bd · 2.5 ba · sleeps 10 | $25,149 | $521 | 13% | 4.9★ (44) | 0.1 mi | Airbnb |
Serene Retreat | Free EV Charger | New Grill Cottage | 4 bd · 2 ba · sleeps 10 | $52,782 | $317 | 46% | 4.7★ (44) | 0.2 mi | Airbnb |
Brown Bear Retreat | Forest • Trails • Adventure House | 4 bd · 2 ba · sleeps 8 | $21,358 | $466 | 13% | 4.4★ (13) | 0.2 mi | AirbnbVrbo |
Pet Friendly lodge sleeps 4-10 House | 4 bd · 2 ba · sleeps 10 | $29,926 | $298 | 28% | 4.8★ (48) | 0.3 mi | Airbnb |
Highland Oaks Retreat at Big Bear- Relaxing Sugarloaf Cottage w/ Hot Tub Vacation home | 4 bd · 2 ba · sleeps 6 | $27,254 | $461 | 16% | — | 0.3 mi | Booking |
Sugarloafing ~ Dog-friendly cabin with hot tub, covered porch, fireplace, grill, & W/D Vacation home | 4 bd · 2 ba · sleeps 8 | $56,051 | $1,168 | 13% | — | 0.3 mi | Booking |
"Vista Pines" Dog Friendly w/Hot Tub & Arcades Cabin | 4 bd · 2 ba · sleeps 10 | $49,277 | $456 | 30% | 5★ (107) | 0.4 mi | AirbnbVrbo |
Show all 23 comps
Evergreen Dreams A-Frame | Hot Tub & Pet Friendly
Cabin · 4 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $62,217ADR $271Occ ≈ 63%4.9★ (339)
Beautiful 4 bd cabin, Hot Tub,Deck, &parking for 4
Cabin · 4 bd · 2 ba · sleeps 10 · 0.5 mi
Revenue $22,876ADR $293Occ ≈ 21%4.7★ (69)
Skylight Chalet - 4 BR/2.5 Bath Home, Sleeps 8
House · 4 bd · 2.5 ba · sleeps 10 · 0.7 mi
Revenue $10,667ADR $462Occ ≈ 6%5★ (80)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Evergreen Dreams A-Frame | Hot Tub & Pet Friendly Cabin | 4 bd · 2 ba · sleeps 8 | $62,217 | $271 | 63% | 4.9★ (339) | 0.4 mi | Airbnb |
Maple Ridge + Hot-Tub/BBQ & Game Room! House | 4 bd · 2.5 ba · sleeps 10 | $36,543 | $406 | 25% | 3.9★ (13) | 0.4 mi | AirbnbVrboBooking |
Timber lodge Retreat w/Game room Cabin | 4 bd · 2 ba · sleeps 8 | $41,181 | $329 | 34% | 5★ (50) | 0.4 mi | AirbnbVrboBooking |
Inyo Happy Place I Game Room + Fireplace Cabin | 4 bd · 2 ba · sleeps 6 | $21,556 | $237 | 25% | 4.7★ (30) | 0.5 mi | AirbnbVrboBooking |
Charming 4BR Retreat in Sugarloaf, CA House | 4 bd · 3 ba · sleeps 10 | $6,504 | $865 | 2% | — | 0.5 mi | AirbnbVrboBooking |
Beautiful 4 bd cabin, Hot Tub,Deck, &parking for 4 Cabin | 4 bd · 2 ba · sleeps 10 | $22,876 | $293 | 21% | 4.7★ (69) | 0.5 mi | Airbnb |
The Upper Branch: Jacuzzi, fire pit, and Bar! Cabin | 4 bd · 2 ba · sleeps 10 | $16,182 | $683 | 6% | 5★ (23) | 0.5 mi | AirbnbVrbo |
Little Red Cabin + Hot-Tub & BBQ! Large Yard! House | 4 bd · 2 ba · sleeps 8 | $33,520 | $267 | 34% | 4.5★ (17) | 0.6 mi | AirbnbVrboBooking |
Navigate Stays Big Bear Cabin. Hot Tub/Snow Summit House | 4 bd · 2 ba · sleeps 10 | $2,411 | $368 | 2% | 4.5★ (4) | 0.6 mi | AirbnbBooking |
Large Luxury Lodge! Hot tub, Separate bonus studio Cabin | 4 bd · 3 ba · sleeps 10 | $78,230 | $410 | 52% | 5★ (200) | 0.6 mi | AirbnbVrbo |
Luxurious Hyes in the Woods Cabin | 4 bd · 3 ba · sleeps 9 | $17,161 | $505 | 9% | 5★ (17) | 0.7 mi | AirbnbVrboBooking |
Skylight Chalet - 4 BR/2.5 Bath Home, Sleeps 8 House | 4 bd · 2.5 ba · sleeps 10 | $10,667 | $462 | 6% | 5★ (80) | 0.7 mi | Airbnb |
Pups and Pine Lodge | w/ BBQ Deck, Hot tub & Games Cabin | 4 bd · 2 ba · sleeps 10 | $1,543 | $220 | 2% | — | 0.8 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 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$35,129
NOI
$14,654
Cash flow /mo
-$986
Cash needed
$144,971
Cash-on-cash
-8.2%
ROE (yr 1)
1.8%
Cap rate
3.7%
DSCR
0.55
Year-1 write-off
$128,924
Year-1 tax shield @ 32%
$41,256
Year-1 return on equity
- Cash flow (annual)-$11,830
- Principal paydown$2,491
- Appreciation at%$11,997
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)$7,026
- Platform fees (3% of revenue)$1,054
- Maintenance / capex (5% of revenue)$1,756
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,999
- Insurance (STR-rated)$2,039
Cash needed to close
- Down payment (25%)$99,975
- Closing costs (4.0%)$15,996
- Furnishing (bought new)$29,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$41,256
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
$320,000
Short-life (5/15-yr)
$100,000 · 31%
Year-1 deduction
$129,000
Year-1 tax shield @ 32%
$41,000
Land 20% (county tax record, assessed value split) · building $220,000 over 39 years · new furniture $29,000
Based on: 1,750 sq ft, built 1987, 4 bd / 2 ba, unfurnished, listing features (deck, patio, game room, fireplace, stone counters, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $86,000 in year 1 (18% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,500
Kitchen cabinetsdefault
$9,600 new × 40% good × 2.19 allocation
- $8,700
Kitchen countertops (stone)listing
$9,900 new × 40% good × 2.19 allocation
- $2,700
Decorative trimdefault
$3,100 new × 40% good × 2.19 allocation
- $300
Mirrorsdefault
$300 new × 40% good × 2.19 allocation
- $1,300
Shelvingdefault
$1,500 new × 40% good × 2.19 allocation
- $4,000
Window coverings (18)default
$4,500 new × 40% good × 2.19 allocation
- $9,900
Carpet, vinyl & laminate (100% of floors)listing
$11,300 new × 40% good × 2.19 allocation
- $6,600
Kitchen & laundry equipment plumbingdefault
$7,500 new × 40% good × 2.19 allocation
- $4,000
Kitchen, laundry & data equipment electricaldefault
$4,500 new × 40% good × 2.19 allocation
- $5,000
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 2.19 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $6,000
Game-room equipment bought newlisting
$6,000 new × 100% good · bought separately
- $9,500
Paving: driveway & walks (paved)listing
$8,700 new × 50% good × 2.19 allocation
- $9,200
Landscaping (typical)default
$8,300 new × 50% good × 2.19 allocation
- $8,600
Patioslisting
$7,900 new × 50% good × 2.19 allocation
- $21,600
Decks & porches (attached)listing
$19,700 new × 50% good × 2.19 allocation
- $166,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$189,400 new × 40% good × 2.19 allocation
- $17,300
Building plumbing & fixturesdefault
$19,700 new × 40% good × 2.19 allocation
- $17,100
Building electrical & lightingdefault
$19,500 new × 40% good × 2.19 allocation
- $17,300
HVACdefault
$19,700 new × 40% good × 2.19 allocation
- $2,300
Fireplacelisting
$2,600 new × 40% good × 2.19 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $79,800 | $48,900 | $200 | $128,900 |
| 2 | $0 | $0 | $5,600 | $5,600 |
| 3 | $0 | $0 | $5,600 | $5,600 |
| 4 | $0 | $0 | $5,600 | $5,600 |
| 5 | $0 | $0 | $5,600 | $5,600 |
| 6+ | $0 | $0 | $197,400 | $197,400 |
| Total | $79,800 | $48,900 | $220,200 | $348,900 |
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.