1305 Meadow Ln
Onalaska, WI 54650
$439,900
4 bd · 2.5 ba · 2,270 sqft · Listed today
View on Realtor.com →Year built
1979
Sqft
2,270
Lot sqft
7,841
HOA / mo
None
Furnished
No
List date
2026-10-29T02:18:45.000000Z
Revenue
Annual revenue
$36,646
ADR
$214
Occupancy
47%
Cleaning fees (12 mo)
$5,017
Confidence
Low (42.07), 7 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $24,263
Charming and comfy: 3BR home on quiet street
House · 3 bd · 2 ba · sleeps 7 · 0.9 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $23,708ADR $175Occ ≈ 37%5★ (43)
Home Sweet Home
House · 3 bd · 2 ba · sleeps 5 · 1.2 mi
- Pool
- A/C
- Free parking
- Wifi
- +3
Revenue $13,961ADR $169Occ ≈ 23%4.5★ (23)
Driftless Escape A-Frame Cabin
Cabin · 3 bd · 1.5 ba · sleeps 6 · 1.2 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $3,184ADR $294Occ ≈ 3%5★ (2)
House on onalaska Wisconsin 4 bedroom 3 Beth
House · 4 bd · 2.5 ba · sleeps 8 · 2.0 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $24,263ADR $142Occ ≈ 47%4.9★ (168)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Aspen Valley Retreat • Spacious Family Home House
| 3 bd · 3 ba · sleeps 7 | $36,362 | $278 | 36% | 4.3★ (24) | 0.5 mi | AirbnbVrbo |
Backyard Oasis w/ In-Ground Pool, FirePit & Gazebo House
| 5 bd · 3 ba · sleeps 11 | $46,209 | $445 | 28% | 5★ (22) | 0.8 mi | AirbnbVrbo |
Charming and comfy: 3BR home on quiet street House
| 3 bd · 2 ba · sleeps 7 | $23,708 | $175 | 37% | 5★ (43) | 0.9 mi | Airbnb |
3 bedroom, 2 bath Townhouse with private driveway. Townhouse
| 3 bd · 2 ba · sleeps 6 | $44,558 | $201 | 61% | 5★ (98) | 1.0 mi | AirbnbVrbo |
Home Sweet Home House
| 3 bd · 2 ba · sleeps 5 | $13,961 | $169 | 23% | 4.5★ (23) | 1.2 mi | Airbnb |
Driftless Escape A-Frame Cabin Cabin
| 3 bd · 1.5 ba · sleeps 6 | $3,184 | $294 | 3% | 5★ (2) | 1.2 mi | Airbnb |
House on onalaska Wisconsin 4 bedroom 3 Beth House
| 4 bd · 2.5 ba · sleeps 8 | $24,263 | $142 | 47% | 4.9★ (168) | 2.0 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
$36,646
NOI
$15,204
Cash flow /mo
-$1,170
Cash needed
$150,571
Cash-on-cash
-9.3%
ROE (yr 1)
1.2%
Cap rate
3.5%
DSCR
0.52
Year-1 write-off
$124,586
Year-1 tax shield @ 32%
$39,867
Year-1 return on equity
- Cash flow (annual)-$14,040
- Principal paydown$2,718
- Appreciation at%$13,197
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)$7,329
- Platform fees (3% of revenue)$1,099
- Maintenance / capex (5% of revenue)$1,832
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,804
- Insurance (STR-rated)$2,178
Cash needed to close
- Down payment (25%)$109,975
- Closing costs (4.0%)$17,596
- Furnishing (bought new)$23,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$39,867
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
$374,000
Short-life (5/15-yr)
$101,000 · 27%
Year-1 deduction
$125,000
Year-1 tax shield @ 32%
$40,000
Land 15% (county tax record, assessed value split) · building $273,000 over 39 years · new furniture $23,000
Based on: 2,270 sq ft, built 1979, 4 bd / 2.5 ba, unfurnished, listing features (hot tub, deck, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $79,000 in year 1 (15% short-life, $25,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $8,600
Kitchen cabinetsdefault
$10,800 new × 40% good × 2.00 allocation
- $7,100
Kitchen countertopsdefault
$8,800 new × 40% good × 2.00 allocation
- $3,200
Decorative trimdefault
$4,000 new × 40% good × 2.00 allocation
- $200
Mirrorsdefault
$300 new × 40% good × 2.00 allocation
- $1,200
Shelvingdefault
$1,500 new × 40% good × 2.00 allocation
- $4,600
Window coverings (23)default
$5,800 new × 40% good × 2.00 allocation
- $6,700
Kitchen & laundry equipment plumbingdefault
$8,400 new × 40% good × 2.00 allocation
- $4,100
Kitchen, laundry & data equipment electricaldefault
$5,100 new × 40% good × 2.00 allocation
- $6,200
Appliances (range, microwave, dishwasher, refrigerator, washer, dryer)listing
$7,700 new × 40% good × 2.00 allocation
- $7,200
Hot tub (freestanding)listing
$9,000 new × 40% good × 2.00 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $9,900
Paving: driveway & walks (paved)listing
$9,900 new × 50% good × 2.00 allocation
- $9,500
Landscaping (typical)default
$9,500 new × 50% good × 2.00 allocation
- $2,200
Patiosdefault
$2,200 new × 50% good × 2.00 allocation
- $25,600
Decks & porches (attached)listing
$25,500 new × 50% good × 2.00 allocation
- $5,000
Gazebo / pergolalisting
$5,000 new × 50% good × 2.00 allocation
- $197,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$246,200 new × 40% good × 2.00 allocation
- $20,500
Building plumbing & fixturesdefault
$25,600 new × 40% good × 2.00 allocation
- $20,900
Building electrical & lightingdefault
$26,000 new × 40% good × 2.00 allocation
- $20,500
HVACdefault
$25,600 new × 40% good × 2.00 allocation
- $11,700
Hardwood & tile floorsdefault
$14,600 new × 40% good × 2.00 allocation
- $2,100
Fireplacelisting
$2,600 new × 40% good × 2.00 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $72,100 | $52,200 | $300 | $124,600 |
| 2 | $0 | $0 | $7,000 | $7,000 |
| 3 | $0 | $0 | $7,000 | $7,000 |
| 4 | $0 | $0 | $7,000 | $7,000 |
| 5 | $0 | $0 | $7,000 | $7,000 |
| 6+ | $0 | $0 | $244,600 | $244,600 |
| Total | $72,100 | $52,200 | $272,900 | $397,100 |
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
Rules differ by jurisdiction. The City of La Crosse requires a short-term rental license ($100 a year) once you rent more than 10 nights a year, plus a Wisconsin tourist rooming house license and inspection from the La Crosse County Health Department. We found no owner-occupancy rule or night cap in the city, but the license does NOT transfer to a new owner. Onalaska allows rentals with a city permit in some zoning districts, and unincorporated towns follow La Crosse County zoning, which has its own permit and day limits. Wisconsin law lets local governments restrict stays under 7 nights. Verify parcel eligibility with the city or county before you buy.