W7848 Maple Dr
Onalaska, WI 54650
$299,900
4 bd · 1 ba · 1,547 sqft · Listed 1d ago
View on Realtor.com →Year built
—
Sqft
1,547
Lot sqft
27,007
HOA / mo
None
Furnished
No
List date
2026-10-21T17:37:26.000000Z
Revenue
Annual revenue
$27,300
ADR
$192
Occupancy
39%
Cleaning fees (12 mo)
$2,242
Confidence
Low (30.97), 9 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $22,876
Cottage House on Lake Onalaska
House · 3 bd · 1 ba · sleeps 6 · 0.9 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +4
Revenue $24,209ADR $238Occ ≈ 28%4.7★ (43)
Nature's Edge Cabin
House · 3 bd · 1 ba · sleeps 6 · 1.2 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $22,876ADR $214Occ ≈ 29%5★ (25)
Northshore Getaway
House · 4 bd · 2 ba · sleeps 6 · 1.2 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $56,542ADR $236Occ ≈ 66%4.7★ (32)
Prairie View Ranch Retreat-Lake Ona & GRTrail Near
House · 3 bd · 1 ba · sleeps 6 · 1.6 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $16,479ADR $198Occ ≈ 23%4.6★ (12)
Waterfront Retreat | Sunset View | Family Friendly
Guest suite · 3 bd · 1 ba · sleeps 5 · 1.6 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $16,817ADR $159Occ ≈ 29%4.9★ (42)
Adorable 3-bedroom bungalow near Lake Onalaska
House · 3 bd · 1 ba · sleeps 6 · 1.6 mi
Revenue $7,134ADR $182Occ ≈ 11%4.6★
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Cozy Corner Cottages 3 Bedroom House Rental House
| 3 bd · 2 ba · sleeps 6 | $3,588 | $299 | 3% | 4.8★ (11) | 0.8 mi | AirbnbVrbo |
Cottage House on Lake Onalaska House
| 3 bd · 1 ba · sleeps 6 | $24,209 | $238 | 28% | 4.7★ (43) | 0.9 mi | Airbnb |
Nature's Edge Cabin House
| 3 bd · 1 ba · sleeps 6 | $22,876 | $214 | 29% | 5★ (25) | 1.2 mi | Airbnb |
Northshore Getaway House
| 4 bd · 2 ba · sleeps 6 | $56,542 | $236 | 66% | 4.7★ (32) | 1.2 mi | Airbnb |
Prairie View Ranch Retreat-Lake Ona & GRTrail Near House
| 3 bd · 1 ba · sleeps 6 | $16,479 | $198 | 23% | 4.6★ (12) | 1.6 mi | Airbnb |
Waterfront Retreat | Sunset View | Family Friendly Guest suite
| 3 bd · 1 ba · sleeps 5 | $16,817 | $159 | 29% | 4.9★ (42) | 1.6 mi | Airbnb |
Adorable 3-bedroom bungalow near Lake Onalaska House | 3 bd · 1 ba · sleeps 6 | $7,134 | $182 | 11% | 4.6★ | 1.6 mi | Delisted |
3 Mi to Lake Onalaska: Quaint Home w/ Prairie View House | 3 bd · 1 ba · sleeps 6 | $45,181 | $191 | 65% | 4.8★ (4) | 1.6 mi | AirbnbBooking |
Dream Cottage on Lake Onalaska- Kayaks, Canoes Cabin
| 3 bd · 1.5 ba · sleeps 8 | $41,153 | $359 | 31% | 4.8★ (81) | 1.8 mi | 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
Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium
Est. revenue
$27,300
NOI
$10,980
Cash flow /mo
-$759
Cash needed
$109,971
Cash-on-cash
-8.3%
ROE (yr 1)
1.6%
Cap rate
3.7%
DSCR
0.55
Year-1 write-off
$84,518
Year-1 tax shield @ 32%
$27,046
Year-1 return on equity
- Cash flow (annual)-$9,108
- Principal paydown$1,824
- Appreciation at%$8,997
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)$5,460
- Platform fees (3% of revenue)$819
- Maintenance / capex (5% of revenue)$1,365
- Utilities & supplies$4,200
- HOA$0
- Property tax$2,991
- Insurance (STR-rated)$1,485
Cash needed to close
- Down payment (25%)$74,975
- Closing costs (4.0%)$11,996
- Furnishing (bought new)$23,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$27,046
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
$249,000
Short-life (5/15-yr)
$61,000 · 25%
Year-1 deduction
$85,000
Year-1 tax shield @ 32%
$27,000
Land 17% (county tax record, assessed value split) · building $187,000 over 39 years · new furniture $23,000
Based on: 1,547 sq ft, age unknown, 4 bd / 1 ba, unfurnished, listing features (patio, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $67,000 in year 1 (17% short-life, $21,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $7,200
Kitchen cabinetsdefault
$9,200 new × 40% good × 1.95 allocation
- $5,900
Kitchen countertopsdefault
$7,500 new × 40% good × 1.95 allocation
- $2,100
Decorative trimdefault
$2,700 new × 40% good × 1.95 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.95 allocation
- $1,200
Shelvingdefault
$1,500 new × 40% good × 1.95 allocation
- $2,900
Window coverings (15)default
$3,800 new × 40% good × 1.95 allocation
- $3,100
Carpet, vinyl & laminate (40% of floors)default
$4,000 new × 40% good × 1.95 allocation
- $5,600
Kitchen & laundry equipment plumbingdefault
$7,200 new × 40% good × 1.95 allocation
- $3,400
Kitchen, laundry & data equipment electricaldefault
$4,300 new × 40% good × 1.95 allocation
- $6,000
Appliances (range, microwave, dishwasher, refrigerator, washer, dryer)listing
$7,700 new × 40% good × 1.95 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $8,000
Paving: driveway & walks (paved)listing
$8,200 new × 50% good × 1.95 allocation
- $7,700
Landscaping (typical)default
$7,800 new × 50% good × 1.95 allocation
- $6,800
Patioslisting
$7,000 new × 50% good × 1.95 allocation
- $1,500
Decks & porches (attached)default
$1,500 new × 50% good × 1.95 allocation
- $130,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$167,400 new × 40% good × 1.95 allocation
- $13,600
Building plumbing & fixturesdefault
$17,400 new × 40% good × 1.95 allocation
- $13,200
Building electrical & lightingdefault
$16,900 new × 40% good × 1.95 allocation
- $13,600
HVACdefault
$17,400 new × 40% good × 1.95 allocation
- $4,700
Hardwood & tile floorsdefault
$6,000 new × 40% good × 1.95 allocation
- $11,700
Septic systemlisting
$12,000 new × 50% good × 1.95 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $60,400 | $23,900 | $200 | $84,500 |
| 2 | $0 | $0 | $4,800 | $4,800 |
| 3 | $0 | $0 | $4,800 | $4,800 |
| 4 | $0 | $0 | $4,800 | $4,800 |
| 5 | $0 | $0 | $4,800 | $4,800 |
| 6+ | $0 | $0 | $167,900 | $167,900 |
| Total | $60,400 | $23,900 | $187,300 | $271,600 |
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.