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Rate 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium

839 McAlister Rd

839 McAlister Rd

Big Bear City, CA 92314

$535,000

3 bd · 3 ba · 2,436 sqft · Listed today

View on Realtor.com →
Negative cash flow

Year built

1982

Sqft

2,436

Lot sqft

13,721

HOA / mo

$0

Furnished

No

List date

2026-10-08T01:05:15.000000Z

Revenue

Annual revenue

$34,685

ADR

$282

Occupancy

34%

Cleaning fees (12 mo)

$7,020

Confidence

Low (46.41), 47 comps

Comp revenue range (p25 / median / p75)

$22,392$28,256$47,656

Median revenue of shown comps: $27,473

  • Country Barn Estate

    Barn · 3 bd · 3 ba · sleeps 8 · 397 ft

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

    Revenue $6,822ADR $612Occ ≈ 3%5★ (171)

    AirbnbVrbo

  • Hot Tub | Lake, Golf & Hiking | Family Fun | BBQ

    Cabin · 3 bd · 2 ba · sleeps 8 · 420 ft

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +1

    Revenue $41,107ADR $309Occ ≈ 36%5★ (31)

    AirbnbVrbo

  • MOUNTAIN ESCAPE IN BEAUTIFUL FOX FARM

    House · 3 bd · 2 ba · sleeps 8 · 440 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +4

    Revenue $24,647ADR $199Occ ≈ 34%4.8★ (104)

    Airbnb

  • Big BearCabin~HotTub~Pets~Mins to Bear&Octoberfest

    House · 3 bd · 3 ba · sleeps 10 · 0.1 mi

    Revenue $29,526ADR $479Occ ≈ 17%4.7★ (273)

    AirbnbVrbo

  • Gorgeous! Hot Tub/Skee-Ball! - Woodside Lodge

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

    Revenue $55,700ADR $617Occ ≈ 25%4.8★ (38)

    Airbnb

  • Cedar Pines Cabin by Destination Big Bear : Close to Bear Mountain! Cable! Propane BBQ! Air Hockey! Internet! Fenced Yard!

    House · 3 bd · 2 ba · sleeps 7 · 0.1 mi

    • Wifi
    • Kitchen
    • Fireplace
    • View

    Revenue $28,547ADR $199Occ ≈ 39%4.3★ (70)

    AirbnbVrbo

  • The Kitchy Cabin: Big Bear Mountain Getaway

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

    Revenue $9,256ADR $429Occ ≈ 6%4.8★ (139)

    Delisted

  • Lower Moonridge | AC + Fireplace + Views

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

    Revenue $25,909ADR $415Occ ≈ 17%4.5★ (6)

    AirbnbVrboBooking

  • Whispering Pines Cabin – Tranquility in the Trees

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

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

    Revenue $26,690ADR $272Occ ≈ 27%4.5★ (26)

    AirbnbVrbo

  • Arcade, Hot Tub, Game Room Home in Nature

    Cabin · 3 bd · 2 ba · sleeps 9 · 0.2 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $69,796ADR $275Occ ≈ 70%4.8★ (146)

    Airbnb

Show 32 more
  • Bear Slumbers, spa, Wifi, foosball, pool/ping pong

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

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +3

    Revenue $16,976ADR $419Occ ≈ 11%4.8★ (139)

    AirbnbVrbo

  • ALINA’S BIG BEAR FIREHOUSE W/ HOT TUB & GAME ROOM

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

    Revenue $38,971ADR $361Occ ≈ 30%4.8★ (369)

    AirbnbVrbo

  • Exquisite BigBear 3Br/2.5Ba Cabi

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

    Revenue $58,804ADR $338Occ ≈ 48%4.9★ (54)

    AirbnbVrbo

  • Sunny Cabin Escape – Spa, BBQ & Family Fun

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

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

    Revenue $28,801ADR $342Occ ≈ 23%4.9★ (18)

    Airbnb

  • Fawn Hollow:Spa!Pool Table!Internet!Near Bear Mtn!

    House · 3 bd · 2.5 ba · sleeps 10 · 0.2 mi

    Revenue $48,506ADR $313Occ ≈ 42%4.7★ (102)

    AirbnbVrbo

  • Designer Snow Queen, Mins to Ski/Lake & Hot Tub

    House · 3 bd · 2 ba · sleeps 9 · 0.2 mi

    Revenue $6,810ADR $247Occ ≈ 8%5★ (5)

    AirbnbVrboBooking

  • Shooting Star Retreat: Near Ski Resort! Hot Tub!

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

    Revenue $20,199ADR $251Occ ≈ 22%4.8★ (10)

    AirbnbVrbo

  • Big Bear Cabin • Hot Tub • Family & Pets • EV

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

    Revenue $21,951ADR $382Occ ≈ 16%5★ (17)

    Airbnb

  • *Teakwood Chalet* Mins to Lake | Games | Fire Pit

    House · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $4,362ADR $298Occ ≈ 4%5★ (6)

    Airbnb

  • Hot Tub & Deck: Big Bear Gem Near Resorts!

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $26,557ADR $213Occ ≈ 34%4.5★ (24)

    Booking

  • Welcome to the Fox Farm Charmer

    House · 3 bd · 2.5 ba · sleeps 10 · 0.2 mi

    Revenue $49,350ADR $280Occ ≈ 48%4.8★ (47)

    Airbnb

  • Blissful Cabin In Park like Setting w/ king bed

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

    Revenue $26,358ADR $367Occ ≈ 20%5★ (9)

    Airbnb

  • Game Room• Sauna • Hot Tub • Family & Pet Friendly

    Cabin · 3 bd · 2 ba · sleeps 9 · 0.2 mi

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

    Revenue $49,552ADR $524Occ ≈ 26%5★ (79)

    AirbnbVrbo

  • Constellation Cabin

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

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

    Revenue $23,896ADR $344Occ ≈ 19%5★ (122)

    Airbnb

  • Mont Moderne in Big Bear

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $41,587ADR $307Occ ≈ 37%5★ (1)

    Booking

  • ‘Dancing Bear Lodge’ ~ 1 Mi to Big Bear Lake!

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.2 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $32,495ADR $329Occ ≈ 27%4.8★ (49)

    AirbnbVrbo

  • Cozy Cub Getaway - Beautiful cabin with hot tub!

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

    Revenue $28,928ADR $662Occ ≈ 12%5★ (51)

    Airbnb

  • Serene Vibes Cabin Jacuzzi gated yard 4 Kids/Dogs

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

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

    Revenue $45,981ADR $302Occ ≈ 42%4.8★ (335)

    Airbnb

  • Luxurious Log Cabin

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

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

    Revenue $50,793ADR $382Occ ≈ 36%5★ (196)

    Airbnb

  • Arktos Jewel Log Cabin w/ Hot Tub + Pool Table

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

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

    Revenue $77,327ADR $423Occ ≈ 50%4.3★ (45)

    AirbnbVrboBooking

  • Vista Chalet: Luxury! Views! Close to Bear Mtn!

    House · 3 bd · 3 ba · sleeps 7 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $21,978ADR $264Occ ≈ 23%4.8★ (27)

    AirbnbVrbo

  • Perfect Fall Getaway - Games / Fire Pit / Minutes to Lake and Ski

    House · 3 bd · 3 ba · sleeps 10 · 0.3 mi

    Revenue $5,216ADR $424Occ ≈ 3%—

    Vrbo

  • Gorgeous cabin great for Family & Pets BBQ fenced backyard fire pit Jacuuzi

    House · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $57,894ADR $393Occ ≈ 40%4.3★ (13)

    Vrbo

  • Moonridge Family Lodge, Sleeps 8, Pool Table

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $22,911ADR $325Occ ≈ 19%5★ (43)

    AirbnbVrbo

  • Our Beary Happy Place-Close to All!

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

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

    Revenue $18,449ADR $363Occ ≈ 14%5★ (160)

    AirbnbVrbo

  • Cozy Mountain Retreat: Hot Tub, Dog Friendly & EV

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +6

    Revenue $20,364ADR $336Occ ≈ 17%5★ (76)

    AirbnbVrbo

  • Charming 3BR Cabin -Quiet Hot Tub close to slopes

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $50,941ADR $287Occ ≈ 49%4.8★ (201)

    Airbnb

  • Ateam Cabin- 5 mins to ski slopes

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $29,511ADR $366Occ ≈ 22%4.5★ (6)

    Delisted

  • Fox Farm! Pool Table! EV Charger! Fenced Yard!

    House · 3 bd · 2.5 ba · sleeps 10 · 0.3 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +3

    Revenue $25,957ADR $463Occ ≈ 15%4.8★ (33)

    AirbnbVrbo

  • A-shape cabin -5 mins to the ski slopes

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    Revenue $23,310ADR $247Occ ≈ 26%3.7★ (7)

    Delisted

  • Mountain Air by AvantStay | Cabin 4mins to Lake

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $28,256ADR $302Occ ≈ 26%4.8★ (62)

    AirbnbBooking

  • Hot Tub, 2 Fireplaces, Covered Patio

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $22,806ADR $326Occ ≈ 19%4.2★ (13)

    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 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium

Est. revenue

$34,685

NOI

$12,160

Cash flow /mo

-$1,939

Cash needed

$174,650

Cash-on-cash

-13.3%

ROE (yr 1)

-2.2%

Cap rate

2.3%

DSCR

0.34

Year-1 write-off

$104,203

Year-1 tax shield @ 32%

$33,345

Year-1 return on equity

  • Cash flow (annual)-$23,272
  • Principal paydown$3,332
  • Appreciation at%$16,050
ROE-2.2%

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)$6,937
  • Platform fees (3% of revenue)$1,041
  • Maintenance / capex (5% of revenue)$1,734
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$6,688
  • Insurance (STR-rated)$2,729

Cash needed to close

  • Down payment (25%)$133,750
  • Closing costs (4.0%)$21,400
  • Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$33,345

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

$416,000

Short-life (5/15-yr)

$84,000 · 20%

Year-1 deduction

$104,000

Year-1 tax shield @ 32%

$33,000

Land 22% (county tax record, assessed value split) · building $331,000 over 39 years · new furniture $20,000

Based on: 2,436 sq ft, built 1982, 3 bd / 3 ba, unfurnished, listing features (fireplace).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $77,000 in year 1 (14% short-life, $25,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$75,200
  • Kitchen cabinetsdefault

    $11,100 new × 40% good × 2.30 allocation

    $10,300
  • Kitchen countertopsdefault

    $9,100 new × 40% good × 2.30 allocation

    $8,400
  • Decorative trimdefault

    $4,300 new × 40% good × 2.30 allocation

    $3,900
  • Mirrorsdefault

    $500 new × 40% good × 2.30 allocation

    $400
  • Shelvingdefault

    $1,200 new × 40% good × 2.30 allocation

    $1,100
  • Window coverings (24)default

    $6,000 new × 40% good × 2.30 allocation

    $5,500
  • Carpet, vinyl & laminate (40% of floors)default

    $6,300 new × 40% good × 2.30 allocation

    $5,800
  • Kitchen & laundry equipment plumbingdefault

    $8,700 new × 40% good × 2.30 allocation

    $8,000
  • Kitchen, laundry & data equipment electricaldefault

    $5,200 new × 40% good × 2.30 allocation

    $4,800
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 40% good × 2.30 allocation

    $7,500
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
15-year land improvements$28,700
  • Paving: driveway & walks (paved)default

    $10,200 new × 50% good × 2.30 allocation

    $11,800
  • Landscaping (typical)default

    $9,800 new × 50% good × 2.30 allocation

    $11,300
  • Patiosdefault

    $2,400 new × 50% good × 2.30 allocation

    $2,800
  • Decks & porches (attached)default

    $2,400 new × 50% good × 2.30 allocation

    $2,800
Building, 39-year$331,300
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $264,500 new × 40% good × 2.30 allocation

    $243,700
  • Building plumbing & fixturesdefault

    $27,400 new × 40% good × 2.30 allocation

    $25,300
  • Building electrical & lightingdefault

    $28,200 new × 40% good × 2.30 allocation

    $25,900
  • HVACdefault

    $27,400 new × 40% good × 2.30 allocation

    $25,300
  • Hardwood & tile floorsdefault

    $9,400 new × 40% good × 2.30 allocation

    $8,700
  • Fireplacelisting

    $2,600 new × 40% good × 2.30 allocation

    $2,400

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$75,200$28,700$400$104,200
2$0$0$8,500$8,500
3$0$0$8,500$8,500
4$0$0$8,500$8,500
5$0$0$8,500$8,500
6+$0$0$297,000$297,000
Total$75,200$28,700$331,300$435,200

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, 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.