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

683 Sunset Ln

683 Sunset Ln

Sugarloaf, CA 92386

$299,999

2 bd · 1.5 ba · 1,358 sqft · Listed 22d ago

View on Realtor.com →
Rental historyLow confidenceNegative cash flow

Year built

1951

Sqft

1,358

Lot sqft

7,126

HOA / mo

$0

Furnished

Yes

List date

2026-09-07T16:04:03.000000Z

Revenue

Annual revenue

$24,122

ADR

$179

Occupancy

37%

Cleaning fees (12 mo)

$5,850

Confidence

Low (27.29), 48 comps

Comp revenue range (p25 / median / p75)

$10,795$17,772$32,200

  • Smart TV, Fireplace, BBQ

    Cabin · 2 bd · 1 ba · sleeps 4 · 62 ft

    Revenue $9,588ADR $208Occ ≈ 13%4.8★ (21)

    AirbnbVrboBooking

  • The K Chalet - An Intimate Mountain Retreat

    Cabin · 2 bd · 2 ba · sleeps 6 · 79 ft

    Revenue $17,749ADR $228Occ ≈ 21%5★ (76)

    Airbnb

  • 3 Oaks Cabin - Secluded Private Cabin w Hot Tub

    Cabin · 2 bd · 1 ba · sleeps 4 · 171 ft

    Revenue $53,663ADR $214Occ ≈ 69%5★ (162)

    Airbnb

  • Pet Welcoming Coyote Creek Cabin-BIG BEAR

    Cabin · 2 bd · 1 ba · sleeps 6 · 249 ft

    Revenue $14,843ADR $1,382Occ ≈ 3%4.8★ (67)

    Airbnb

  • Sunset Point A Modern A-Frame

    Cabin · 2 bd · 2 ba · sleeps 6 · 259 ft

    Revenue $14,766ADR $204Occ ≈ 20%5★ (55)

    AirbnbVrbo

  • Cozy Cabin with Arcade Fun

    House · 2 bd · 1 ba · sleeps 6 · 338 ft

    Revenue $30,642ADR $154Occ ≈ 55%5★ (93)

    Airbnb

  • Family Cabin Retreat Close to Lake, and Trails

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 387 ft

    Revenue $37,814ADR $205Occ ≈ 51%4.9★ (179)

    AirbnbVrbo

  • Pops Bear Cabin (Pub, Firepit, BBQ, Games & More)

    Cabin · 2 bd · 1 ba · sleeps 6 · 459 ft

    Revenue $42,433ADR $188Occ ≈ 62%5★ (238)

    AirbnbVrbo

  • Noir Cabin BIG BEAR *Spa* EV Charger *A/C* Hiking

    Cabin · 2 bd · 1 ba · sleeps 4 · 509 ft

    Revenue $62,089ADR $224Occ ≈ 76%5★ (255)

    AirbnbVrbo

  • Cozy Modern Spa, AC, BBQ, Firepit

    House · 2 bd · 1 ba · sleeps 5 · 522 ft

    Revenue $48,306ADR $211Occ ≈ 63%4.8★ (161)

    Airbnb

Show all 50 comps

  • Pet friendly Red Farmhouse Cabin

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

    Revenue $4,501ADR $343Occ ≈ 4%4.8★ (37)

    Airbnb

  • Onyx Cabin BIG BEAR *Spa* EV Charger*Hiking Trails

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.1 mi

    Revenue $60,438ADR $211Occ ≈ 78%5★ (145)

    Airbnb

  • Cozy Cabin in Sugarloaf

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

    Revenue $35,568ADR $206Occ ≈ 47%4.8★ (67)

    AirbnbBooking

  • Cozy Cabin Near Big Bear | Pet-Friendly+Arcade Fun

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

    Revenue $5,626ADR $103Occ ≈ 15%5★ (1)

    AirbnbVrbo

  • Wandering Bear Cabin

    Cabin · 2 bd · 2 ba · sleeps 5 · 0.1 mi

    Revenue $8,064ADR $259Occ ≈ 9%5★ (107)

    Airbnb

  • Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball!

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

    Revenue $34,444ADR $180Occ ≈ 52%4.9★ (106)

    Airbnb

  • Spacious Big Bear cabin with fireplace

    Cabin · 2 bd · 1.5 ba · sleeps 5 · 0.2 mi

    Revenue $11,328ADR $140Occ ≈ 22%4.9★ (107)

    Airbnb

  • Mid-Century Cabin w/ Hot Tub Mins to Bear Mountain

    House · 2 bd · 1 ba · sleeps 8 · 0.2 mi

    Revenue $2,669ADR $242Occ ≈ 3%5★ (2)

    AirbnbVrboBooking

  • The Cabin -EV Charger-Hot Tub-Fenced yard

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

    Revenue $8,428ADR $287Occ ≈ 8%4.8★ (18)

    Airbnb

  • Vista Sugarloaf ~Mountain Getaway

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

    Revenue $26,334ADR $455Occ ≈ 16%—

    AirbnbVrboBooking

  • Vista Sugarloaf ~ Dog-friendly Mountain getaway near town & skiing w/ gas grill & spacious deck

    Vacation home · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $32,126ADR $463Occ ≈ 19%5★ (1)

    Booking

  • The Red Door Chalet — Fireplaces | BBQ | Wifi | EV

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

    Revenue $21,360ADR $220Occ ≈ 27%5★ (44)

    Airbnb

  • Cozy Cabin Retreat, 6 Beds w/ hot tub, remodeled

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

    Revenue $6,417ADR $332Occ ≈ 5%4.8★ (13)

    AirbnbVrbo

  • Couples Retreat: Starlit Hot Tub Near Big Bear

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

    Revenue $33,169ADR $201Occ ≈ 45%4.8★ (62)

    Airbnb

  • Cozy Cabin Retreat

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi

    Revenue $19,544ADR $108Occ ≈ 50%5★ (11)

    Airbnb

  • Family friendly, BBQ, Fenced Yard

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

    Revenue $17,146ADR $301Occ ≈ 16%4.5★ (15)

    AirbnbVrboBooking

  • Twin Bear Cabin + Indoor Fireplace + BBQ!

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

    Revenue $10,941ADR $78Occ ≈ 38%3.2★ (4)

    AirbnbVrbo

  • Cute Cozy Comfort Cabin, 1 Night Free!

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

    Revenue $10,746ADR $230Occ ≈ 13%4.2★ (5)

    AirbnbVrbo

  • Hot Tub - Pet & Kid Friendly- Cozy Modern Design

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

    Revenue $69,739ADR $235Occ ≈ 81%5★ (155)

    Airbnb

  • Apres' Ski Lodge

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

    Revenue $2,409ADR $285Occ ≈ 2%5★ (2)

    AirbnbVrbo

  • Steps from the National Forest: Deck & Gated Yard

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

    Revenue $30,780ADR $188Occ ≈ 45%5★ (197)

    Airbnb

  • Private cabin near hiking & lake

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

    Revenue $11,840ADR $64Occ ≈ 51%5★ (1)

    AirbnbVrbo

  • Sugar Shack: Come Get Cozy & Stay Awhile

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

    Revenue $31,320ADR $172Occ ≈ 50%5★ (170)

    AirbnbVrbo

  • Cozy cabin for rent.

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

    Revenue $32,225ADR $154Occ ≈ 57%4.5★ (59)

    Airbnb

  • Holmes Hive

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

    Revenue $19,996ADR $167Occ ≈ 33%4.8★ (147)

    AirbnbVrbo

  • Romantic A Frame w/Eco Organic Bed+Late Checkout

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

    Revenue $56,004ADR $207Occ ≈ 74%5★ (221)

    Airbnb

  • La Cabanita - Pet Friendly!

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

    Revenue $13,564ADR $167Occ ≈ 22%5★ (20)

    AirbnbVrboBooking

  • Cozy Quiet Cabin Escape

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

    Revenue $26,392ADR $155Occ ≈ 47%4.9★ (107)

    Airbnb

  • AC*HikingTrails+PetsOK+Arcade+FencedYard+BBQ

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

    Revenue $23,251ADR $240Occ ≈ 27%4.8★ (37)

    Airbnb

  • Pine Forest Retreat - Private Hot Tub & Fire Pit

    House · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi

    Revenue $33,292ADR $212Occ ≈ 43%4.8★ (205)

    Airbnb

  • Family Friendly w/Fenced Yard & Game Room

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

    Revenue $18,010ADR $292Occ ≈ 17%5★ (23)

    AirbnbVrboBooking

  • Whispering Pines | EV Chrg, Near Trails, Dogs Ok!

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

    Revenue $14,136ADR $149Occ ≈ 26%4.7★ (9)

    AirbnbVrboBooking

  • Firepit & BBQ + Pacman + Close to Hiking Trails

    Cabin · 2 bd · 1.5 ba · sleeps 5 · 0.2 mi

    Revenue $17,795ADR $147Occ ≈ 33%3.9★ (6)

    AirbnbVrboBooking

  • 2 Bedroom Cabin

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

    Revenue $14,599ADR $136Occ ≈ 29%4.9★ (9)

    Airbnb

  • 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)

    Airbnb

  • Sugarpine Cabin with Air Conditioner

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

    Revenue $13,286ADR $182Occ ≈ 20%4.8★ (87)

    AirbnbVrbo

  • Sugar Shack with Game Room, Bar and Spa

    House · 2 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $9,019ADR $301Occ ≈ 8%5★ (5)

    AirbnbVrbo

  • Cute and Cozy Cottage #2522

    Vacation home · 2 bd · 2 ba · sleeps 4 · 0.3 mi

    Revenue $1,797ADR $192Occ ≈ 3%—

    Booking

  • Grinning Bear Cabin w/ EV charger & Kids Play Loft

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

    Revenue $14,990ADR $530Occ ≈ 8%4.8★ (8)

    AirbnbVrboBooking

  • Walk to Park, Fireplace, Deck, BBQ

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi

    Revenue $9,530ADR $233Occ ≈ 11%—

    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
Term

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

Est. revenue

$24,122

NOI

$8,338

Cash flow /mo

-$922

Cash needed

$87,000

Cash-on-cash

-12.7%

ROE (yr 1)

-0.1%

Cap rate

2.8%

DSCR

0.43

Year-1 write-off

$69,549

Year-1 tax shield @ 32%

$22,256

Year-1 return on equity

  • Cash flow (annual)-$11,061
  • Principal paydown$1,963
  • Appreciation at%$9,000
ROE-0.1%
ROE incl. year-1 tax savings (32% bracket, STR loophole)25.5%
Opex, cash-needed & tax-savings breakdown

Annual operating expenses

  • Management (20% of revenue)$4,824
  • Platform fees (3% of revenue)$724
  • Maintenance / capex (5% of revenue)$1,206
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$4,028
  • Insurance (STR-rated)$1,530

Cash needed to close

  • Down payment (25%)$75,000
  • Closing costs (4.0%)$12,000
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$22,256

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

$236,000

Short-life (5/15-yr)

$69,000 · 29%

Year-1 deduction

$70,000

Year-1 tax shield @ 32%

$22,000

Land 22% (county tax record, assessed value split) · building $167,000 over 39 years

Based on: 1,358 sq ft, built 1951, 2 bd / 1.5 ba, furnished, listing features (deck, patio, fence, fireplace, flooring types, appliance list, septic).

IRS-guide safe-harbor floor: $40,000 in year 1 (17% short-life, $13,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$33,600

  • Kitchen cabinetsdefault

    $8,800 new × 40% good × 1.91 allocation

    $6,700

  • Kitchen countertopsdefault

    $7,200 new × 40% good × 1.91 allocation

    $5,500

  • Decorative trimdefault

    $2,400 new × 40% good × 1.91 allocation

    $1,800

  • Mirrorsdefault

    $200 new × 40% good × 1.91 allocation

    $100

  • Shelvingdefault

    $900 new × 40% good × 1.91 allocation

    $700

  • Window coverings (14)default

    $3,500 new × 40% good × 1.91 allocation

    $2,700

  • Kitchen & laundry equipment plumbingdefault

    $6,800 new × 40% good × 1.91 allocation

    $5,200

  • Kitchen, laundry & data equipment electricaldefault

    $4,100 new × 40% good × 1.91 allocation

    $3,200

  • Appliances (range)listing

    $1,800 new × 40% good × 1.91 allocation

    $1,400

  • Furniture conveyed with the sale (used)listing

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

    $6,400
15-year land improvements$35,400

  • Paving: driveway & walks (gravel)listing

    $2,300 new × 50% good × 1.91 allocation

    $2,200

  • Landscaping (typical)default

    $7,300 new × 50% good × 1.91 allocation

    $7,000

  • Patioslisting

    $6,100 new × 50% good × 1.91 allocation

    $5,800

  • Decks & porches (attached)listing

    $15,300 new × 50% good × 1.91 allocation

    $14,600

  • Fencinglisting

    $6,000 new × 50% good × 1.91 allocation

    $5,700
Building, 39-year$167,200

  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $147,300 new × 40% good × 1.91 allocation

    $112,600

  • Building plumbing & fixturesdefault

    $15,200 new × 40% good × 1.91 allocation

    $11,600

  • Building electrical & lightingdefault

    $14,500 new × 40% good × 1.91 allocation

    $11,100

  • HVACdefault

    $15,300 new × 40% good × 1.91 allocation

    $11,700

  • Hardwood & tile floorsdefault

    $8,700 new × 40% good × 1.91 allocation

    $6,700

  • Fireplacelisting

    $2,600 new × 40% good × 1.91 allocation

    $2,000

  • Septic systemlisting

    $12,000 new × 50% good × 1.91 allocation

    $11,500

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$33,600$35,400$500$69,500
2$0$0$4,300$4,300
3$0$0$4,300$4,300
4$0$0$4,300$4,300
5$0$0$4,300$4,300
6+$0$0$149,500$149,500
Total$33,600$35,400$167,200$236,200

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.