322 Moreno Ln
Sugarloaf, CA 92386
$285,000
2 bd · 1 ba · 708 sqft · Listed 1d ago
View on Realtor.com →Year built
1969
Sqft
708
Lot sqft
5,001
HOA / mo
$0
Furnished
No
List date
2026-10-22T22:49:03.000000Z
Revenue
Annual revenue
$22,161
ADR
$170
Occupancy
36%
Cleaning fees (12 mo)
$5,192
Confidence
Low (45.12), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $21,984
Moreno pines cottage #2468
Vacation home · 2 bd · 1 ba · sleeps 4 · 115 ft
Revenue $34,383ADR $547Occ ≈ 17%—
⭐️Lofted Retreat⭐️ HBO, Boardgames, Nintendo & More!
Cabin · 2 bd · 1 ba · sleeps 6 · 164 ft
- Free parking
- Wifi
- Kitchen
- Fireplace
- +1
Revenue $22,717ADR $135Occ ≈ 46%5★ (273)
The Moreno Hideaway- Indulge in a Winter Escape
House · 2 bd · 1 ba · sleeps 6 · 177 ft
Revenue $8,726ADR $298Occ ≈ 8%4.8★ (16)
Cozy cabin-5 minutes from Oktoberfest!
Cabin · 2 bd · 1 ba · sleeps 4 · 492 ft
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $24,003ADR $167Occ ≈ 39%5★ (113)
Pet-friendly, cozy cabin with Hot Tub & Fire Pit
Cabin · 2 bd · 1 ba · sleeps 5 · 499 ft
Revenue $17,425ADR $362Occ ≈ 13%4.8★ (23)
Delisted
FirePit • Speakeasy Cabin Vibes • Perfect Backyard
Cabin · 2 bd · 2 ba · sleeps 6 · 502 ft
Revenue $24,236ADR $246Occ ≈ 27%5★ (50)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Moreno pines cottage #2468 Vacation home | 2 bd · 1 ba · sleeps 4 | $34,383 | $547 | 17% | — | 115 ft | Booking |
⭐️Lofted Retreat⭐️ HBO, Boardgames, Nintendo & More! Cabin
| 2 bd · 1 ba · sleeps 6 | $22,717 | $135 | 46% | 5★ (273) | 164 ft | Airbnb |
The Moreno Hideaway- Indulge in a Winter Escape House | 2 bd · 1 ba · sleeps 6 | $8,726 | $298 | 8% | 4.8★ (16) | 177 ft | Airbnb |
Cozy Cabin in Big Bear, CA. House
| 2 bd · 1 ba · sleeps 6 | $28,018 | $138 | 56% | 4.8★ (51) | 341 ft | AirbnbVrbo |
The Moreno Hideaway | Cozy Mountain Escape House
| 2 bd · 1 ba · sleeps 6 | $21,793 | $178 | 34% | 4.6★ (19) | 384 ft | AirbnbVrbo |
5 Mi to Big Bear Lake: Pet-Friendly Gem Near Hikes Cabin
| 2 bd · 1 ba · sleeps 6 | $18,446 | $197 | 26% | 4.8★ (47) | 407 ft | AirbnbVrboBooking |
Gambrel Cabin | Hot Tub & Fireplace Cabin
| 2 bd · 1.5 ba · sleeps 6 | $28,110 | $261 | 30% | 4.2★ (6) | 486 ft | AirbnbVrboBooking |
Cozy cabin-5 minutes from Oktoberfest! Cabin
| 2 bd · 1 ba · sleeps 4 | $24,003 | $167 | 39% | 5★ (113) | 492 ft | Airbnb |
Pet-friendly, cozy cabin with Hot Tub & Fire Pit Cabin | 2 bd · 1 ba · sleeps 5 | $17,425 | $362 | 13% | 4.8★ (23) | 499 ft | Delisted |
FirePit • Speakeasy Cabin Vibes • Perfect Backyard Cabin | 2 bd · 2 ba · sleeps 6 | $24,236 | $246 | 27% | 5★ (50) | 502 ft | Airbnb |
Show 38 more
TwinPines•Dogfriendly•Fire pit•private hot tub•
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $34,854ADR $175Occ ≈ 55%4.9★ (217)
Cozy retreat with a dreamy starlit jacuzzi
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $36,230ADR $180Occ ≈ 55%4.8★ (106)
Rustic Retreat
Cabin · 2 bd · 2 ba · sleeps 4 · 0.1 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $15,234ADR $103Occ ≈ 41%5★ (57)
NEW Cozy Pines Cottage and Fire pit
Vacation home · 2 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $26,702ADR $229Occ ≈ 32%—
Starry Pines Cabin - Deck, Firepit & Jacuzzi
House · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $46,337ADR $201Occ ≈ 63%5★ (73)
Cozy 2 Bedroom Cabin Getaway
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi
Revenue $8,435ADR $147Occ ≈ 16%5★ (61)
Delisted
Cozy Family-Friendly Cabin | Skiing, Hiking, Hygge
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $9,353ADR $217Occ ≈ 12%4.7★ (47)
Cozy Paw Cabin sleeps 6-Spa
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $29,526ADR $222Occ ≈ 36%4.8★ (79)
Cabin in Big Bear
Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $28,637ADR $185Occ ≈ 42%5★ (58)
★Mountain Getaway★New Hot Tub ★ Fenced Backyard ★
House · 2 bd · 2 ba · sleeps 7 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $52,037ADR $211Occ ≈ 68%4.9★ (420)
The Sugar Nugget Chalet
Chalet · 2 bd · 1.5 ba · sleeps 5 · 0.2 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $3,412ADR $235Occ ≈ 4%5★ (4)
Cute & Cozy Cabin w/ Large Deck & Front Yard
Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +2
Revenue $20,698ADR $138Occ ≈ 41%5★ (278)
Cozy Bear Cabin, 15% off 7days or more
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $29,778ADR $171Occ ≈ 48%5★ (219)
Luna Haven-Peaceful 2BR 2BA
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $17,457ADR $254Occ ≈ 19%4.9★ (23)
Delisted
Ultimate Racoon Retreat + Hot-Tub & BBQ!
Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.2 mi
Revenue $882ADR $98Occ ≈ 2%—
The Sugar Shack with Hot Tub, Mountain Serenity
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +1
Revenue $21,073ADR $138Occ ≈ 42%4.8★ (520)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Pet-friendly Woodland Escape - Sugar Pine Hollow House
| 2 bd · 1 ba · sleeps 4 | $32,073 | $130 | 68% | 4.8★ (237) | 0.1 mi | AirbnbVrbo |
TwinPines•Dogfriendly•Fire pit•private hot tub• Cabin
| 2 bd · 1 ba · sleeps 4 | $34,854 | $175 | 55% | 4.9★ (217) | 0.1 mi | Airbnb |
Sugar Bear Lodge Cabin
| 2 bd · 1 ba · sleeps 6 | $32,171 | $177 | 50% | 5★ (76) | 0.1 mi | AirbnbVrboBooking |
Cozy retreat with a dreamy starlit jacuzzi Cabin | 2 bd · 1 ba · sleeps 4 | $36,230 | $180 | 55% | 4.8★ (106) | 0.1 mi | Airbnb |
Rustic Retreat Cabin
| 2 bd · 2 ba · sleeps 4 | $15,234 | $103 | 41% | 5★ (57) | 0.1 mi | Airbnb |
Little Pinecone Cabin Cabin
| 2 bd · 1 ba · sleeps 6 | $8,263 | $290 | 8% | 4.9★ (10) | 0.1 mi | AirbnbVrbo |
NEW Cozy Pines Cottage W Hot Tub & Fire pit! House
| 2 bd · 1 ba · sleeps 6 | $30,043 | $264 | 31% | 4.8★ (82) | 0.1 mi | AirbnbVrboBooking |
NEW Cozy Pines Cottage and Fire pit Vacation home | 2 bd · 1 ba · sleeps 6 | $26,702 | $229 | 32% | — | 0.1 mi | Booking |
Starry Pines Cabin - Deck, Firepit & Jacuzzi House
| 2 bd · 1 ba · sleeps 4 | $46,337 | $201 | 63% | 5★ (73) | 0.1 mi | Airbnb |
Steps to National Forest + Fireplace House
| 2 bd · 1.5 ba · sleeps 4 | $8,692 | $243 | 10% | 4.5★ (14) | 0.1 mi | AirbnbVrboBooking |
Bright & Cozy Cabin w/ Fireplace & BBQ Cabin
| 2 bd · 1 ba · sleeps 5 | $14,336 | $262 | 15% | 5★ (3) | 0.1 mi | AirbnbVrboBooking |
Casa Del Bosque (House in the Woods) pet friendly Cabin
| 2 bd · 2 ba · sleeps 6 | $10,147 | $221 | 13% | 5★ (88) | 0.1 mi | AirbnbVrbo |
Cozy 2 Bedroom Cabin Getaway Cabin | 2 bd · 1.5 ba · sleeps 6 | $8,435 | $147 | 16% | 5★ (61) | 0.2 mi | Delisted |
Cozy Family-Friendly Cabin | Skiing, Hiking, Hygge Cabin | 2 bd · 2 ba · sleeps 6 | $9,353 | $217 | 12% | 4.7★ (47) | 0.2 mi | Airbnb |
Cozy Paw Cabin sleeps 6-Spa Cabin
| 2 bd · 2 ba · sleeps 6 | $29,526 | $222 | 36% | 4.8★ (79) | 0.2 mi | Airbnb |
Cozy 2-bed Cabin in Big Bear, 10 Mins from Lake Cabin
| 2 bd · 1 ba · sleeps 6 | $14,512 | $266 | 15% | 4.9★ (23) | 0.2 mi | AirbnbVrbo |
Cozy Mountain Cabin | skiing + hiking + tubing Cabin
| 2 bd · 1 ba · sleeps 4 | $36,737 | $202 | 50% | 4.8★ (107) | 0.2 mi | AirbnbVrbo |
BEST VALUE BIG BEAR-QUIET-COZY-PET FRIENDLY WIFI Cottage
| 2 bd · 1 ba · sleeps 6 | $16,900 | $138 | 34% | 4.8★ (334) | 0.2 mi | AirbnbVrbo |
Wonderful Wabash House
| 2 bd · 2 ba · sleeps 6 | $22,354 | $224 | 27% | 4.9★ (40) | 0.2 mi | AirbnbVrboBooking |
Fall Cabin | Hot Tub, Fire Pit, Near Lake Stay Cabin
| 2 bd · 1 ba · sleeps 6 | $15,820 | $308 | 14% | 5★ (30) | 0.2 mi | AirbnbVrbo |
Cozy Big Bear Cabin · Hot Tub · Quiet Pines Escape Cabin
| 2 bd · 1 ba · sleeps 4 | $22,175 | $197 | 31% | 4.9★ (59) | 0.2 mi | AirbnbVrbo |
Charming 1950s Western Cabin | Dog-Friendly Stay Cabin
| 2 bd · 1 ba · sleeps 4 | $25,845 | $159 | 45% | 4.9★ (50) | 0.2 mi | AirbnbBooking |
Cabin in Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $28,637 | $185 | 42% | 5★ (58) | 0.2 mi | Airbnb |
★Mountain Getaway★New Hot Tub ★ Fenced Backyard ★ House
| 2 bd · 2 ba · sleeps 7 | $52,037 | $211 | 68% | 4.9★ (420) | 0.2 mi | Airbnb |
The Sugar Nugget Chalet Chalet
| 2 bd · 1.5 ba · sleeps 5 | $3,412 | $235 | 4% | 5★ (4) | 0.2 mi | Airbnb |
Cozy Mountain Cabin Cabin
| 2 bd · 1 ba · sleeps 5 | $11,408 | $159 | 20% | 4.9★ (6) | 0.2 mi | AirbnbVrboBooking |
Cute & Cozy Cabin w/ Large Deck & Front Yard Cabin
| 2 bd · 1 ba · sleeps 5 | $20,698 | $138 | 41% | 5★ (278) | 0.2 mi | Airbnb |
Cozy Bear Cabin, 15% off 7days or more Cabin
| 2 bd · 1 ba · sleeps 4 | $29,778 | $171 | 48% | 5★ (219) | 0.2 mi | Airbnb |
Big Bear Pine Haven Cabin: Hot Tub Games Cabin
| 2 bd · 1.5 ba · sleeps 8 | $44,233 | $150 | 81% | 4.8★ (59) | 0.2 mi | AirbnbVrboBooking |
Cabin in Sugarloaf, Smart TV, Deck, Fenced Yard, B Cabin | 2 bd · 1 ba · sleeps 5 | $23,091 | $135 | 47% | 4.8★ (5) | 0.2 mi | AirbnbBooking |
Forest Cabin Retreat in Sugarloaf Cabin
| 2 bd · 1 ba · sleeps 6 | $8,507 | $225 | 10% | 4.2★ (22) | 0.2 mi | AirbnbVrboBooking |
Luna Haven-Peaceful 2BR 2BA House | 2 bd · 2 ba · sleeps 6 | $17,457 | $254 | 19% | 4.9★ (23) | 0.2 mi | Delisted |
5 Mi to Lake & Skiing! All-Season Big Bear Base House
| 2 bd · 2 ba · sleeps 7 | $2,334 | $150 | 4% | — | 0.2 mi | AirbnbBooking |
Ultimate Racoon Retreat + Hot-Tub & BBQ! Cabin | 2 bd · 1.5 ba · sleeps 7 | $882 | $98 | 2% | — | 0.2 mi | Airbnb |
Cozy 2 Bedroom house w/ Fireplac Gel Matt & 70' TV House
| 2 bd · 1 ba · sleeps 7 | $12,727 | $496 | 7% | 4★ (1) | 0.2 mi | AirbnbVrbo |
Family Mountain Cabin-Dogs Welcome-Grill-Pines Cabin
| 2 bd · 1.5 ba · sleeps 6 | $12,447 | $216 | 16% | 5★ (211) | 0.2 mi | AirbnbVrbo |
The Raccoon Retreat + Firepit + Spa + BBQ House
| 2 bd · 2 ba · sleeps 7 | $28,939 | $232 | 34% | 4.2★ (20) | 0.2 mi | AirbnbVrboBooking |
The Sugar Shack with Hot Tub, Mountain Serenity Cabin
| 2 bd · 1.5 ba · sleeps 4 | $21,073 | $138 | 42% | 4.8★ (520) | 0.2 mi | Airbnb |
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 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium
Est. revenue
$22,161
NOI
$7,167
Cash flow /mo
-$982
Cash needed
$98,650
Cash-on-cash
-11.9%
ROE (yr 1)
-1.5%
Cap rate
2.5%
DSCR
0.38
Year-1 write-off
$89,346
Year-1 tax shield @ 32%
$28,591
Year-1 return on equity
- Cash flow (annual)-$11,779
- Principal paydown$1,761
- Appreciation at%$8,550
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)$4,432
- Platform fees (3% of revenue)$665
- Maintenance / capex (5% of revenue)$1,108
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,114
- Insurance (STR-rated)$1,454
Cash needed to close
- Down payment (25%)$71,250
- Closing costs (4.0%)$11,400
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$28,591
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
$195,000
Short-life (5/15-yr)
$73,000 · 38%
Year-1 deduction
$89,000
Year-1 tax shield @ 32%
$29,000
Land 32% (county tax record, assessed value split) · building $122,000 over 39 years · new furniture $16,000
Based on: 708 sq ft, built 1969, 2 bd / 1 ba, unfurnished, listing features (patio, fence, fireplace).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $70,000 in year 1 (28% short-life, $22,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,600
Kitchen cabinetsdefault
$7,400 new × 40% good × 2.93 allocation
- $7,100
Kitchen countertopsdefault
$6,000 new × 40% good × 2.93 allocation
- $1,500
Decorative trimdefault
$1,200 new × 40% good × 2.93 allocation
- $200
Mirrorsdefault
$200 new × 40% good × 2.93 allocation
- $1,100
Shelvingdefault
$900 new × 40% good × 2.93 allocation
- $2,100
Window coverings (7)default
$1,800 new × 40% good × 2.93 allocation
- $2,100
Carpet, vinyl & laminate (40% of floors)default
$1,800 new × 40% good × 2.93 allocation
- $6,700
Kitchen & laundry equipment plumbingdefault
$5,700 new × 40% good × 2.93 allocation
- $4,100
Kitchen, laundry & data equipment electricaldefault
$3,500 new × 40% good × 2.93 allocation
- $9,500
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 2.93 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $8,100
Paving: driveway & walks (paved)default
$5,500 new × 50% good × 2.93 allocation
- $7,800
Landscaping (typical)default
$5,300 new × 50% good × 2.93 allocation
- $4,700
Patioslisting
$3,200 new × 50% good × 2.93 allocation
- $1,000
Decks & porches (attached)default
$700 new × 50% good × 2.93 allocation
- $8,800
Fencinglisting
$6,000 new × 50% good × 2.93 allocation
- $89,500
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$76,300 new × 40% good × 2.93 allocation
- $9,300
Building plumbing & fixturesdefault
$7,900 new × 40% good × 2.93 allocation
- $7,300
Building electrical & lightingdefault
$6,200 new × 40% good × 2.93 allocation
- $9,400
HVACdefault
$8,000 new × 40% good × 2.93 allocation
- $3,200
Hardwood & tile floorsdefault
$2,700 new × 40% good × 2.93 allocation
- $3,100
Fireplacelisting
$2,600 new × 40% good × 2.93 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $58,800 | $30,400 | $100 | $89,300 |
| 2 | $0 | $0 | $3,100 | $3,100 |
| 3 | $0 | $0 | $3,100 | $3,100 |
| 4 | $0 | $0 | $3,100 | $3,100 |
| 5 | $0 | $0 | $3,100 | $3,100 |
| 6+ | $0 | $0 | $109,200 | $109,200 |
| Total | $58,800 | $30,400 | $121,800 | $211,000 |
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.