195 Vista Ln
Sugarloaf, CA 92386
$499,000
5 bd · 3 ba · Listed 2d ago
View on Realtor.com →Year built
2003
Sqft
—
Lot sqft
4,275
HOA / mo
None
Furnished
Yes
List date
2026-10-31T20:58:49.000000Z
Revenue
Annual revenue
$34,514
ADR
$402
Occupancy
24%
Cleaning fees (12 mo)
$6,572
Confidence
Low (37.15), 26 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $27,242
Fully Equipped Mountain Escape 10 Min from Town
House · 4 bd · 2.5 ba · sleeps 10 · 243 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $26,024ADR $518Occ ≈ 14%4.9★ (45)
* Oak & Stone Lodge * Central A/C * Game Room*Deck
Cabin · 4 bd · 2 ba · sleeps 8 · 0.1 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +5
Revenue $50,622ADR $511Occ ≈ 27%5★ (115)
Serene Retreat | Free EV Charger | New Grill
Cottage · 4 bd · 2 ba · sleeps 10 · 0.2 mi
Revenue $50,157ADR $313Occ ≈ 44%4.7★ (44)
Delisted
Sugar Bear Pines Cozy Mountain Retreat
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $40,481ADR $604Occ ≈ 18%—
Sugarloaf Treehouse 5 Bedrooms Family Friendly
Cabin · 5 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $4,480ADR $263Occ ≈ 5%4★ (1)
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 $65,358ADR $1,214Occ ≈ 15%—
Highland Oaks Retreat at Big Bear- Relaxing Sugarloaf Cottage w/ Hot Tub
Vacation home · 4 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $28,574ADR $467Occ ≈ 17%—
Pet Friendly lodge sleeps 4-10
House · 4 bd · 2 ba · sleeps 10 · 0.4 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $29,944ADR $297Occ ≈ 28%4.8★ (48)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Fully Equipped Mountain Escape 10 Min from Town House
| 4 bd · 2.5 ba · sleeps 10 | $26,024 | $518 | 14% | 4.9★ (45) | 243 ft | Airbnb |
* Oak & Stone Lodge * Central A/C * Game Room*Deck Cabin
| 4 bd · 2 ba · sleeps 8 | $50,622 | $511 | 27% | 5★ (115) | 0.1 mi | Airbnb |
Serene Retreat | Free EV Charger | New Grill Cottage | 4 bd · 2 ba · sleeps 10 | $50,157 | $313 | 44% | 4.7★ (44) | 0.2 mi | Delisted |
Sugar Bear Pines Cozy Mountain Retreat Vacation home | 4 bd · 2 ba · sleeps 8 | $40,481 | $604 | 18% | — | 0.2 mi | Booking |
Brown Bear Retreat | Forest • Trails • Adventure House
| 4 bd · 2 ba · sleeps 8 | $25,052 | $395 | 17% | 4.4★ (13) | 0.2 mi | AirbnbVrbo |
Sugarloaf Treehouse 5 Bedrooms Family Friendly Cabin | 5 bd · 2 ba · sleeps 10 | $4,480 | $263 | 5% | 4★ (1) | 0.3 mi | Airbnb |
Sugarloafing ~ Dog-friendly cabin with hot tub, covered porch, fireplace, grill, & W/D Vacation home | 4 bd · 2 ba · sleeps 8 | $65,358 | $1,214 | 15% | — | 0.3 mi | Booking |
Highland Oaks Retreat at Big Bear- Relaxing Sugarloaf Cottage w/ Hot Tub Vacation home | 4 bd · 2 ba · sleeps 6 | $28,574 | $467 | 17% | — | 0.3 mi | Booking |
Pet Friendly lodge sleeps 4-10 House
| 4 bd · 2 ba · sleeps 10 | $29,944 | $297 | 28% | 4.8★ (48) | 0.4 mi | Airbnb |
Maple Ridge + Hot-Tub/BBQ & Game Room! House | 4 bd · 2.5 ba · sleeps 10 | $37,483 | $414 | 25% | 3.9★ (14) | 0.4 mi | AirbnbBooking |
Show 16 more
Evergreen Dreams A-Frame | Hot Tub & Pet Friendly
Cabin · 4 bd · 2 ba · sleeps 8 · 0.4 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $63,554ADR $272Occ ≈ 64%4.9★ (339)
"Vista Pines" Dog Friendly w/Hot Tub & Arcades
Cabin · 4 bd · 2 ba · sleeps 10 · 0.4 mi
Revenue $56,074ADR $406Occ ≈ 38%5★ (107)
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)
Delisted
The Upper Branch: Jacuzzi, fire pit, and Bar!
Cabin · 4 bd · 2 ba · sleeps 10 · 0.6 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $15,644ADR $683Occ ≈ 6%5★ (23)
Skylight Chalet - 4 BR/2.5 Bath Home, Sleeps 8
House · 4 bd · 2.5 ba · sleeps 10 · 0.6 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $11,421ADR $455Occ ≈ 7%5★ (80)
The Maple Ridge + Hot-Tub/BBQ & Game Room!
House · 4 bd · 2.5 ba · sleeps 10 · 0.7 mi
Revenue $28,459ADR $430Occ ≈ 18%3.8★ (12)
Delisted
| 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 | $63,554 | $272 | 64% | 4.9★ (339) | 0.4 mi | Airbnb |
"Vista Pines" Dog Friendly w/Hot Tub & Arcades Cabin | 4 bd · 2 ba · sleeps 10 | $56,074 | $406 | 38% | 5★ (107) | 0.4 mi | Airbnb |
Timber lodge Retreat w/Game room Cabin | 4 bd · 2 ba · sleeps 8 | $38,903 | $403 | 26% | 5★ (50) | 0.4 mi | AirbnbBooking |
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 | Delisted |
Charming 4BR Retreat in Sugarloaf, CA House
| 4 bd · 3 ba · sleeps 10 | $6,533 | $865 | 2% | — | 0.5 mi | AirbnbVrboBooking |
Inyo Happy Place I Game Room + Fireplace Cabin
| 4 bd · 2 ba · sleeps 6 | $22,153 | $238 | 26% | 4.7★ (32) | 0.5 mi | AirbnbVrboBooking |
The Upper Branch: Jacuzzi, fire pit, and Bar! Cabin
| 4 bd · 2 ba · sleeps 10 | $15,644 | $683 | 6% | 5★ (23) | 0.6 mi | Airbnb |
Skylight Chalet - 4 BR/2.5 Bath Home, Sleeps 8 House
| 4 bd · 2.5 ba · sleeps 10 | $11,421 | $455 | 7% | 5★ (80) | 0.6 mi | Airbnb |
Navigate Stays Big Bear Cabin. Hot Tub/Snow Summit House
| 4 bd · 2 ba · sleeps 10 | $17,601 | $586 | 8% | 4.6★ (5) | 0.6 mi | AirbnbVrboBooking |
Large Luxury Lodge! Separate bonus studio, Hot tub Cabin
| 4 bd · 3 ba · sleeps 10 | $77,664 | $412 | 52% | 5★ (205) | 0.7 mi | AirbnbVrbo |
High Altitude Hideaway With Jacuzzi & Game Room Cabin
| 4 bd · 2.5 ba · sleeps 10 | $42,792 | $569 | 21% | 5★ (62) | 0.7 mi | AirbnbVrboBooking |
Fun-Filled Big Bear Retreat for Families & Friends House
| 4 bd · 2 ba · sleeps 10 | $24,498 | $306 | 22% | 4.2★ (4) | 0.7 mi | AirbnbVrboBooking |
Luxurious Hyes in the Woods Cabin
| 4 bd · 3 ba · sleeps 9 | $17,105 | $505 | 9% | 5★ (17) | 0.7 mi | AirbnbVrboBooking |
The Maple Ridge + Hot-Tub/BBQ & Game Room! House | 4 bd · 2.5 ba · sleeps 10 | $28,459 | $430 | 18% | 3.8★ (12) | 0.7 mi | Delisted |
5 Mi to Snow Summit: Cabin w/ Deck & Fireplace Cabin
| 4 bd · 3 ba · sleeps 9 | $12,612 | $394 | 9% | 4.5★ (23) | 0.7 mi | AirbnbVrboBooking |
"Oktoberfest” 20% off New Villa, AC, pool tbl, 10p Villa
| 4 bd · 3 ba · sleeps 10 | $3,030 | $606 | 1% | — | 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 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium
Est. revenue
$34,514
NOI
$12,616
Cash flow /mo
-$1,692
Cash needed
$144,710
Cash-on-cash
-14.0%
ROE (yr 1)
-1.5%
Cap rate
2.5%
DSCR
0.38
Year-1 write-off
$92,435
Year-1 tax shield @ 32%
$29,579
Year-1 return on equity
- Cash flow (annual)-$20,306
- Principal paydown$3,133
- Appreciation at%$14,970
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)$6,903
- Platform fees (3% of revenue)$1,035
- Maintenance / capex (5% of revenue)$1,726
- Utilities & supplies$4,200
- HOA$0
- Property tax$6,238
- Insurance (STR-rated)$2,545
Cash needed to close
- Down payment (25%)$124,750
- Closing costs (4.0%)$19,960
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$29,579
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
$431,000
Short-life (5/15-yr)
$92,000 · 21%
Year-1 deduction
$92,000
Year-1 tax shield @ 32%
$30,000
Land 14% (county tax record, assessed value split) · building $338,000 over 39 years
Based on: ~2,900 sq ft (from beds), built 2003, 5 bd / 3 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $54,000 in year 1 (12% short-life, $17,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $6,700
Kitchen cabinetsdefault
$12,200 new × 40% good × 1.37 allocation
- $5,500
Kitchen countertopsdefault
$9,900 new × 40% good × 1.37 allocation
- $2,800
Decorative trimdefault
$5,100 new × 40% good × 1.37 allocation
- $200
Mirrorsdefault
$500 new × 40% good × 1.37 allocation
- $1,000
Shelvingdefault
$1,800 new × 40% good × 1.37 allocation
- $4,000
Window coverings (29)default
$7,300 new × 40% good × 1.37 allocation
- $6,800
Carpet, vinyl & laminate (67% of floors)listing
$12,400 new × 40% good × 1.37 allocation
- $7,000
Kitchen & laundry equipment plumbingdefault
$9,500 new × 54% good × 1.37 allocation
- $4,200
Kitchen, laundry & data equipment electricaldefault
$5,700 new × 54% good × 1.37 allocation
- $3,900
Appliances (range, microwave, dishwasher, disposal, refrigerator, dryer)listing
$7,100 new × 40% good × 1.37 allocation
- $10,600
Furniture conveyed with the sale (used)listing
$26,500 new × 40% good · out of the price
- $7,700
Paving: driveway & walks (paved)default
$11,200 new × 50% good × 1.37 allocation
- $7,400
Landscaping (typical)default
$10,700 new × 50% good × 1.37 allocation
- $2,000
Patiosdefault
$2,900 new × 50% good × 1.37 allocation
- $22,400
Decks & porches (attached)listing
$32,600 new × 50% good × 1.37 allocation
- $266,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$314,600 new × 62% good × 1.37 allocation
- $24,200
Building plumbing & fixturesdefault
$32,700 new × 54% good × 1.37 allocation
- $25,200
Building electrical & lightingdefault
$34,000 new × 54% good × 1.37 allocation
- $17,900
HVACdefault
$32,700 new × 40% good × 1.37 allocation
- $3,400
Hardwood & tile floorsdefault
$6,200 new × 40% good × 1.37 allocation
- $1,400
Fireplacelisting
$2,600 new × 40% good × 1.37 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $52,700 | $39,400 | $400 | $92,400 |
| 2 | $0 | $0 | $8,700 | $8,700 |
| 3 | $0 | $0 | $8,700 | $8,700 |
| 4 | $0 | $0 | $8,700 | $8,700 |
| 5 | $0 | $0 | $8,700 | $8,700 |
| 6+ | $0 | $0 | $303,400 | $303,400 |
| Total | $52,700 | $39,400 | $338,400 | $430,500 |
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.