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

800 Cedar Ln

800 Cedar Ln

Sugarloaf, CA 92386

$379,000

2 bd · 2 ba · Listed 1d ago

View on Realtor.com →
Negative cash flow

Year built

1978

Sqft

—

Lot sqft

5,000

HOA / mo

None

Furnished

Yes

List date

2026-10-05T17:48:05.000000Z

Revenue

Annual revenue

$26,797

ADR

$187

Occupancy

39%

Cleaning fees (12 mo)

$5,952

Confidence

Low (43.8), 49 comps

Comp revenue range (p25 / median / p75)

$13,165$23,875$31,252

Median revenue of shown comps: $23,875Checking amenities for 37 listings…

  • Game On Getaway – Family-2BR/2BA Mountain Retreat

    Cabin · 2 bd · 2 ba · sleeps 6 · 16 ft

    Revenue $31,479ADR $280Occ ≈ 31%4.8★ (34)

    AirbnbVrboBooking

  • Modern Cabin - Wifi - Large Deck - Near Skiing

    Cabin · 2 bd · 1 ba · sleeps 5 · 66 ft

    Revenue $35,945ADR $139Occ ≈ 71%5★ (46)

    AirbnbBooking

  • *NEW* Sugar Bear Retreat w/ SPA & EV CHARGING

    Cabin · 2 bd · 1.5 ba · sleeps 7 · 69 ft

    Revenue $23,875ADR $194Occ ≈ 34%4.8★ (230)

    Airbnb

  • Perfect Cabin to Relax!!

    House · 2 bd · 2 ba · sleeps 6 · 108 ft

    Revenue $31,252ADR $219Occ ≈ 39%4.9★ (74)

    AirbnbVrbo

  • Vintage Mountain Retreat

    Vacation home · 2 bd · 1 ba · sleeps 4 · 115 ft

    Revenue $24,198ADR $198Occ ≈ 33%—

    Booking

  • Charming 2bed Cabin w/ Spa&EV/Tesla Charging Plug

    Cabin · 2 bd · 1 ba · sleeps 4 · 190 ft

    Revenue $17,363ADR $206Occ ≈ 23%4.8★ (109)

    AirbnbVrbo

  • Sugarcubs Cabin

    Cabin · 2 bd · 2 ba · sleeps 6 · 262 ft

    Revenue $6,313ADR $229Occ ≈ 8%5★ (76)

    Airbnb

  • Cozy Modern Cabin with Fire Place, Foosball & BBQ

    Cabin · 2 bd · 1 ba · sleeps 4 · 315 ft

    Revenue $44,213ADR $200Occ ≈ 61%5★ (184)

    Airbnb

  • Trendy Vintage Mtn Retreat | Mins 2 Village & Loft

    Cabin · 2 bd · 1 ba · sleeps 4 · 328 ft

    Revenue $26,815ADR $218Occ ≈ 34%4.8★ (121)

    AirbnbVrbo

  • NEW! Spa, Pet Friendly, EV Charger, BBQ, PS4!

    Cabin · 2 bd · 1 ba · sleeps 6 · 354 ft

    Revenue $15,097ADR $269Occ ≈ 15%4.6★ (13)

    Airbnb

Show 37 more
  • Luxe Mountain Cabin | Mini-Golf & Starry Nights

    Cabin · 2 bd · 1 ba · sleeps 6 · 374 ft

    Revenue $22,816ADR $254Occ ≈ 25%5★ (46)

    AirbnbVrbo

  • Steps to trails • Fireplace • Pet & kid friendly

    Cabin · 2 bd · 2 ba · sleeps 6 · 397 ft

    Revenue $27,350ADR $160Occ ≈ 47%5★ (38)

    AirbnbVrboBooking

  • Quiet area, next to forest & close to resort fun!

    Cabin · 2 bd · 2 ba · sleeps 6 · 400 ft

    Revenue $7,201ADR $209Occ ≈ 9%5★ (14)

    AirbnbVrbo

  • Sugarloaf Bear Paw 2B/1Ba, SPA, AC, BBQ, Views

    Cabin · 2 bd · 1 ba · sleeps 6 · 436 ft

    Revenue $27,727ADR $135Occ ≈ 56%5★ (126)

    Airbnb

  • Romantic Forest Cabin | Walk to Trails | Deck+ BBQ

    Cabin · 2 bd · 1 ba · sleeps 5 · 436 ft

    Revenue $10,964ADR $145Occ ≈ 21%4.7★ (131)

    AirbnbVrbo

  • Sagewood Cabin -Dog Friendly + Fenced Yard

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 466 ft

    Revenue $15,450ADR $279Occ ≈ 15%4.9★ (28)

    AirbnbVrbo

  • Bigfoot Bungalow • Cozy Cabin w/ Hot Tub

    Cabin · 2 bd · 1 ba · sleeps 6 · 482 ft

    Revenue $8,845ADR $211Occ ≈ 11%5★ (8)

    Airbnb

  • 7 Mi to Ski Resorts: Dog-Friendly Sugarloaf Cabin

    Cabin · 2 bd · 1 ba · sleeps 4 · 499 ft

    Revenue $36,102ADR $132Occ ≈ 75%5★ (5)

    AirbnbVrboBooking

  • Stargazer|A-Frame, Firepit, Spa, Dogs Ok, By Lake!

    Chalet · 2 bd · 2 ba · sleeps 7 · 0.1 mi

    Revenue $64,364ADR $229Occ ≈ 77%4.9★ (268)

    AirbnbVrboBooking

  • Hot Tub • AC • Steps to Trails • Fenced Yard

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $39,422ADR $242Occ ≈ 45%5★ (257)

    AirbnbVrbo

  • Vintage Cozy Cabin- Perfect for the Family-WiFi

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $1,384ADR $346Occ ≈ 1%4.8★ (9)

    AirbnbVrbo

  • Cozy Cedar Cabin | Hot Tub (Unit A)

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $46,399ADR $229Occ ≈ 56%4.9★ (41)

    Airbnb

  • Fall Color Beauty • Fire Pit • Hiking • EV • Quiet

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

    Revenue $38,317ADR $224Occ ≈ 47%5★ (211)

    AirbnbVrbo

  • Oakwood Cottage Big Bear - Cozy Sugarloaf Mountain

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

    Revenue $11,714ADR $308Occ ≈ 10%3★ (1)

    AirbnbVrboBooking

  • The Sugar Pine Cabin

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $13,440ADR $304Occ ≈ 12%5★ (3)

    Airbnb

  • Hot tub | BBQ | Pet Friendly | Gated

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $23,317ADR $187Occ ≈ 34%4.8★ (172)

    AirbnbVrbo

  • Sugar Pine Escape + Hot-Tub & Forest Backyard!

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $30,160ADR $156Occ ≈ 53%4.5★ (20)

    AirbnbVrboBooking

  • New Cozy Forest Cabin BBQ Fireplace Private Clean

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $37,131ADR $161Occ ≈ 63%4.9★ (62)

    AirbnbVrboBooking

  • Cozy cabin for rent.

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

    Revenue $33,395ADR $150Occ ≈ 61%4.5★ (59)

    Airbnb

  • Private cabin near hiking & lake

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

    Revenue $9,920ADR $64Occ ≈ 42%5★ (1)

    AirbnbVrbo

  • Big Bear Cabin w/ EV Charging, Fireplace & Deck!

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

    Revenue $590ADR $118Occ ≈ 1%—

    AirbnbBooking

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

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

    Revenue $15,579ADR $149Occ ≈ 29%4.7★ (9)

    AirbnbVrboBooking

  • Serene Cabin Surrounded by the National Forest

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

    Revenue $28,203ADR $245Occ ≈ 32%4.9★ (293)

    AirbnbVrbo

  • Closer to the Stars Fire Pit Dog-Friendly

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

    Revenue $26,471ADR $237Occ ≈ 31%4.8★ (81)

    AirbnbVrboBooking

  • Le Petit Paradis /hot tub/ 2 beds/ fireplace/ yard

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

    Revenue $26,463ADR $164Occ ≈ 44%4.9★ (24)

    Airbnb

  • Pet Friendly, Large Fenced Yard, Fireplace

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

    Revenue $36,251ADR $198Occ ≈ 50%4.2★ (5)

    AirbnbVrboBooking

  • Pet Friendly | Hot Tub | Foosball | Fire Pit | BBQ

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $31,156ADR $140Occ ≈ 61%4.8★ (175)

    AirbnbVrbo

  • Pet Friendly | Foosball | Fire Pit | BBQ| WiFi

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

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $719ADR $83Occ ≈ 2%—

    Vrbo

  • Cozy Modern Cabin w/AC Hot Tub, Comfy Beds, Quiet

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $19,907ADR $291Occ ≈ 19%5★ (114)

    AirbnbVrboBooking

  • Couples Retreat: Starlit Hot Tub Near Big Bear

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

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

    Revenue $33,743ADR $201Occ ≈ 46%4.8★ (64)

    Airbnb

  • Twin Bear Cabin + Indoor Fireplace + BBQ!

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

    • Wifi

    Revenue $13,165ADR $77Occ ≈ 47%3.2★ (4)

    AirbnbVrbo

  • Wandering Bear Cabin

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

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

    Revenue $9,300ADR $256Occ ≈ 10%5★ (108)

    Airbnb

  • Maple Comfort Reserve, 2BR near Lake & Trails, AC!

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

    Revenue $22,662ADR $164Occ ≈ 38%4.5★ (13)

    AirbnbVrbo

  • Modern & Cozy Big Bear Cabin Nestled in the Woods

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

    Revenue $26,008ADR $206Occ ≈ 35%4.9★ (107)

    AirbnbVrboBooking

  • Ski & Hike: Cozy Big Bear Retreat w/ Fireplace

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

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

    Revenue $10,553ADR $236Occ ≈ 12%—

    AirbnbVrboBooking

  • Rustic retreat•Sleeps 6•Pet friendly

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

    Revenue $18,909ADR $208Occ ≈ 25%4.8★ (15)

    AirbnbBooking

  • Cozy Pines Getaway E*Bikes*Kayak* Firepit Table

    Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.3 mi

    Revenue $8,541ADR $125Occ ≈ 19%4.8★ (4)

    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

Financing
Management
Term

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

Est. revenue

$26,797

NOI

$8,992

Cash flow /mo

-$1,342

Cash needed

$109,910

Cash-on-cash

-14.7%

ROE (yr 1)

-2.2%

Cap rate

2.4%

DSCR

0.36

Year-1 write-off

$99,196

Year-1 tax shield @ 32%

$31,743

Year-1 return on equity

  • Cash flow (annual)-$16,108
  • Principal paydown$2,360
  • Appreciation at%$11,370
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)$5,359
  • Platform fees (3% of revenue)$804
  • Maintenance / capex (5% of revenue)$1,340
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$4,784
  • Insurance (STR-rated)$1,933

Cash needed to close

  • Down payment (25%)$94,750
  • Closing costs (4.0%)$15,160
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$31,743

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

$305,000

Short-life (5/15-yr)

$99,000 · 33%

Year-1 deduction

$99,000

Year-1 tax shield @ 32%

$32,000

Land 20% (county tax record, assessed value split) · building $206,000 over 39 years

Based on: ~1,400 sq ft (from beds), built 1978, 2 bd / 2 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $59,000 in year 1 (19% short-life, $19,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$57,600
  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 2.56 allocation

    $9,100
  • Kitchen countertopsdefault

    $7,300 new × 40% good × 2.56 allocation

    $7,400
  • Decorative trimdefault

    $2,500 new × 40% good × 2.56 allocation

    $2,500
  • Mirrorsdefault

    $300 new × 40% good × 2.56 allocation

    $300
  • Shelvingdefault

    $900 new × 40% good × 2.56 allocation

    $900
  • Window coverings (14)default

    $3,500 new × 40% good × 2.56 allocation

    $3,600
  • Carpet, vinyl & laminate (100% of floors)listing

    $9,000 new × 40% good × 2.56 allocation

    $9,200
  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 2.56 allocation

    $7,100
  • Kitchen, laundry & data equipment electricaldefault

    $4,200 new × 40% good × 2.56 allocation

    $4,300
  • Appliances (range, microwave, refrigerator, washer, dryer)listing

    $6,700 new × 40% good × 2.56 allocation

    $6,900
  • Furniture conveyed with the sale (used)listing

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

    $6,400
15-year land improvements$41,400
  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 2.56 allocation

    $9,900
  • Landscaping (typical)default

    $7,500 new × 50% good × 2.56 allocation

    $9,500
  • Patiosdefault

    $1,400 new × 50% good × 2.56 allocation

    $1,800
  • Decks & porches (attached)listing

    $15,800 new × 50% good × 2.56 allocation

    $20,100
Building, 39-year$205,500
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,800 new × 40% good × 2.56 allocation

    $155,300
  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 2.56 allocation

    $16,100
  • Building electrical & lightingdefault

    $15,000 new × 40% good × 2.56 allocation

    $15,400
  • HVACdefault

    $15,800 new × 40% good × 2.56 allocation

    $16,100
  • Fireplacelisting

    $2,600 new × 40% good × 2.56 allocation

    $2,700

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$57,600$41,400$200$99,200
2$0$0$5,300$5,300
3$0$0$5,300$5,300
4$0$0$5,300$5,300
5$0$0$5,300$5,300
6+$0$0$184,200$184,200
Total$57,600$41,400$205,500$304,500

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.