3014 Youngdale Ave
Campbell, WI 54603
$224,900
3 bd · 1.5 ba · 1,462 sqft · Listed 6d ago
View on Realtor.com →Year built
1964
Sqft
1,462
Lot sqft
12,632
HOA / mo
None
Furnished
No
List date
2026-11-06T20:48:24.000000Z
Revenue
Annual revenue
$39,988
ADR
$145
Occupancy
76%
Cleaning fees (12 mo)
$4,313
Confidence
Low (48.11), 9 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $42,775
French Island Lakefront Cottage
Cabin · 2 bd · 1 ba · sleeps 3 · 0.3 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +1
Revenue $42,775ADR $182Occ ≈ 64%4.9★ (43)
French Island Easy Living!
House · 3 bd · 2 ba · sleeps 7 · 0.6 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +4
Revenue $24,836ADR $182Occ ≈ 37%4.9★ (85)
Blue Way Inn and Suites Lacrosse - 1 King Bed Non Smoking
House · 2 bd · 1 ba · sleeps 3 · 1.1 mi
Revenue $16,640ADR $67Occ ≈ 68%1★ (1)
Delisted
Blue Way Inn La Crosse Extended Stay - 2 Queen Bed Non Smoking
House · 2 bd · 1 ba · sleeps 1 · 1.2 mi
- A/C
Revenue $16,364ADR $72Occ ≈ 62%2★ (2)
Blue Way Inn and Suites Lacrosse - 2 Queen Bed Non Smoking
House · 2 bd · 1 ba · sleeps 4 · 1.4 mi
Revenue $18,534ADR $76Occ ≈ 67%2★ (4)
Delisted
Cozy 3-bedroom home on the river
House · 3 bd · 1 ba · sleeps 7 · 1.9 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +3
Revenue $62,458ADR $338Occ ≈ 51%5★ (63)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
French Island Lakefront Cottage Cabin
| 2 bd · 1 ba · sleeps 3 | $42,775 | $182 | 64% | 4.9★ (43) | 0.3 mi | Airbnb |
French Island w/Hot Tub, Kayak, Lake View, EV House
| 2 bd · 1 ba · sleeps 7 | $57,304 | $209 | 75% | 4.9★ (98) | 0.4 mi | AirbnbVrboBooking |
French Island Easy Living! House
| 3 bd · 2 ba · sleeps 7 | $24,836 | $182 | 37% | 4.9★ (85) | 0.6 mi | Airbnb |
Blue Way Inn and Suites Lacrosse - 1 King Bed Non Smoking House | 2 bd · 1 ba · sleeps 3 | $16,640 | $67 | 68% | 1★ (1) | 1.1 mi | Delisted |
Blue Way Inn La Crosse Extended Stay - 2 Queen Bed Non Smoking House
| 2 bd · 1 ba · sleeps 1 | $16,364 | $72 | 62% | 2★ (2) | 1.2 mi | Vrbo |
Blue Way Inn and Suites Lacrosse - 2 Queen Bed Non Smoking House | 2 bd · 1 ba · sleeps 4 | $18,534 | $76 | 67% | 2★ (4) | 1.4 mi | Delisted |
Riverfront Home with Eagle Views House
| 3 bd · 2 ba · sleeps 6 | $65,103 | $381 | 47% | 5★ (131) | 1.8 mi | AirbnbVrbo |
Cozy 3-bedroom home on the river House
| 3 bd · 1 ba · sleeps 7 | $62,458 | $338 | 51% | 5★ (63) | 1.9 mi | Airbnb |
River Rambler House
| 3 bd · 2 ba · sleeps 7 | $49,830 | $226 | 60% | 4.9★ (212) | 2.0 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 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium
Est. revenue
$39,988
NOI
$19,824
Cash flow /mo
$423
Cash needed
$90,721
Cash-on-cash
5.6%
ROE (yr 1)
14.6%
Cap rate
8.8%
DSCR
1.34
Year-1 write-off
$73,326
Year-1 tax shield @ 32%
$23,464
Year-1 return on equity
- Cash flow (annual)$5,071
- Principal paydown$1,429
- Appreciation at%$6,747
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)$7,998
- Platform fees (3% of revenue)$1,200
- Maintenance / capex (5% of revenue)$1,999
- Utilities & supplies$4,200
- HOA$0
- Property tax$3,654
- Insurance (STR-rated)$1,113
Cash needed to close
- Down payment (25%)$56,225
- Closing costs (4.0%)$8,996
- Furnishing (bought new)$25,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$23,464
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
$167,000
Short-life (5/15-yr)
$48,000 · 29%
Year-1 deduction
$73,000
Year-1 tax shield @ 32%
$23,000
Land 26% (county tax record, assessed value split) · building $120,000 over 39 years · new furniture $26,000
Based on: 1,462 sq ft, built 1964, 3 bd / 1.5 ba, unfurnished, listing features (deck, game room, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $50,000 in year 1 (15% short-life, $16,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $5,100
Kitchen cabinetsdefault
$9,000 new × 40% good × 1.41 allocation
- $4,100
Kitchen countertopsdefault
$7,400 new × 40% good × 1.41 allocation
- $1,400
Decorative trimdefault
$2,600 new × 40% good × 1.41 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.41 allocation
- $700
Shelvingdefault
$1,200 new × 40% good × 1.41 allocation
- $2,100
Window coverings (15)default
$3,800 new × 40% good × 1.41 allocation
- $2,100
Carpet, vinyl & laminate (40% of floors)default
$3,800 new × 40% good × 1.41 allocation
- $3,900
Kitchen & laundry equipment plumbingdefault
$7,000 new × 40% good × 1.41 allocation
- $2,400
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 1.41 allocation
- $2,200
Appliances (range, refrigerator)listing
$4,000 new × 40% good × 1.41 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $6,000
Game-room equipment bought newlisting
$6,000 new × 100% good · bought separately
- $5,600
Paving: driveway & walks (paved)default
$7,900 new × 50% good × 1.41 allocation
- $5,400
Landscaping (typical)default
$7,600 new × 50% good × 1.41 allocation
- $1,000
Patiosdefault
$1,400 new × 50% good × 1.41 allocation
- $11,600
Decks & porches (attached)listing
$16,400 new × 50% good × 1.41 allocation
- $89,100
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$158,400 new × 40% good × 1.41 allocation
- $9,200
Building plumbing & fixturesdefault
$16,400 new × 40% good × 1.41 allocation
- $8,900
Building electrical & lightingdefault
$15,800 new × 40% good × 1.41 allocation
- $9,300
HVACdefault
$16,500 new × 40% good × 1.41 allocation
- $3,200
Hardwood & tile floorsdefault
$5,600 new × 40% good × 1.41 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $49,700 | $23,500 | $100 | $73,300 |
| 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 | $107,200 | $107,200 |
| Total | $49,700 | $23,500 | $119,600 | $192,800 |
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.