1400 Pine St
Onalaska, WI 54650
$564,900
4 bd · 3 ba · 2,350 sqft · Listed today
View on Realtor.com →Year built
2002
Sqft
2,350
Lot sqft
11,326
HOA / mo
None
Furnished
No
List date
2026-10-07T11:18:06.000000Z
Revenue
Annual revenue
$36,421
ADR
$208
Occupancy
48%
Cleaning fees (12 mo)
$4,225
Confidence
Med (62.05), 7 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $36,362
Home Sweet Home
House · 3 bd · 2 ba · sleeps 5 · 0.2 mi
- Pool
- A/C
- Free parking
- Wifi
- +3
Revenue $13,961ADR $169Occ ≈ 23%4.5★ (23)
Charming and comfy: 3BR home on quiet street
House · 3 bd · 2 ba · sleeps 7 · 0.3 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $23,708ADR $175Occ ≈ 37%5★ (43)
House on onalaska Wisconsin 4 bedroom 3 Beth
House · 4 bd · 2.5 ba · sleeps 8 · 0.9 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 |
|---|---|---|---|---|---|---|---|
Home Sweet Home House
| 3 bd · 2 ba · sleeps 5 | $13,961 | $169 | 23% | 4.5★ (23) | 0.2 mi | Airbnb |
Charming and comfy: 3BR home on quiet street House
| 3 bd · 2 ba · sleeps 7 | $23,708 | $175 | 37% | 5★ (43) | 0.3 mi | Airbnb |
Backyard Oasis w/ In-Ground Pool, FirePit & Gazebo House
| 5 bd · 3 ba · sleeps 11 | $46,209 | $445 | 28% | 5★ (22) | 0.3 mi | AirbnbVrbo |
3 bedroom, 2 bath Townhouse with private driveway. Townhouse
| 3 bd · 2 ba · sleeps 6 | $44,558 | $201 | 61% | 5★ (98) | 0.3 mi | AirbnbVrbo |
House on onalaska Wisconsin 4 bedroom 3 Beth House
| 4 bd · 2.5 ba · sleeps 8 | $24,263 | $142 | 47% | 4.9★ (168) | 0.9 mi | Airbnb |
Aspen Valley Retreat • Spacious Family Home House
| 3 bd · 3 ba · sleeps 7 | $36,362 | $278 | 36% | 4.3★ (24) | 1.4 mi | AirbnbVrbo |
Corto's Ona-Lake House Rental, LLC House
| 3 bd · 2 ba · sleeps 12 | $43,431 | $239 | 50% | 5★ (158) | 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 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$36,421
NOI
$12,100
Cash flow /mo
-$2,109
Cash needed
$186,821
Cash-on-cash
-13.5%
ROE (yr 1)
-2.6%
Cap rate
2.1%
DSCR
0.32
Year-1 write-off
$99,026
Year-1 tax shield @ 32%
$31,688
Year-1 return on equity
- Cash flow (annual)-$25,312
- Principal paydown$3,518
- Appreciation at%$16,947
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)$7,284
- Platform fees (3% of revenue)$1,093
- Maintenance / capex (5% of revenue)$1,821
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,127
- Insurance (STR-rated)$2,796
Cash needed to close
- Down payment (25%)$141,225
- Closing costs (4.0%)$22,596
- Furnishing (bought new)$23,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$31,688
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
$498,000
Short-life (5/15-yr)
$76,000 · 15%
Year-1 deduction
$99,000
Year-1 tax shield @ 32%
$32,000
Land 12% (county tax record, assessed value split) · building $422,000 over 39 years · new furniture $23,000
Based on: 2,350 sq ft, built 2002, 4 bd / 3 ba, unfurnished, listing features (flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $74,000 in year 1 (10% short-life, $24,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $9,400
Kitchen cabinetsdefault
$11,000 new × 40% good × 2.14 allocation
- $7,700
Kitchen countertopsdefault
$9,000 new × 40% good × 2.14 allocation
- $3,500
Decorative trimdefault
$4,100 new × 40% good × 2.14 allocation
- $400
Mirrorsdefault
$500 new × 40% good × 2.14 allocation
- $1,300
Shelvingdefault
$1,500 new × 40% good × 2.14 allocation
- $5,100
Window coverings (24)default
$6,000 new × 40% good × 2.14 allocation
- $9,500
Kitchen & laundry equipment plumbingdefault
$8,500 new × 52% good × 2.14 allocation
- $5,700
Kitchen, laundry & data equipment electricaldefault
$5,200 new × 52% good × 2.14 allocation
- $4,300
Appliances (range, dishwasher, refrigerator)listing
$5,000 new × 40% good × 2.14 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $13,400
Paving: driveway & walks (paved)listing
$12,600 new × 50% good × 2.14 allocation
- $10,300
Landscaping (typical)default
$9,700 new × 50% good × 2.14 allocation
- $2,500
Patiosdefault
$2,300 new × 50% good × 2.14 allocation
- $2,500
Decks & porches (attached)default
$2,300 new × 50% good × 2.14 allocation
- $327,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$254,800 new × 60% good × 2.14 allocation
- $29,400
Building plumbing & fixturesdefault
$26,500 new × 52% good × 2.14 allocation
- $30,100
Building electrical & lightingdefault
$27,100 new × 52% good × 2.14 allocation
- $22,700
HVACdefault
$26,500 new × 40% good × 2.14 allocation
- $12,900
Hardwood & tile floorsdefault
$15,100 new × 40% good × 2.14 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $69,800 | $28,700 | $500 | $99,000 |
| 2 | $0 | $0 | $10,800 | $10,800 |
| 3 | $0 | $0 | $10,800 | $10,800 |
| 4 | $0 | $0 | $10,800 | $10,800 |
| 5 | $0 | $0 | $10,800 | $10,800 |
| 6+ | $0 | $0 | $378,400 | $378,400 |
| Total | $69,800 | $28,700 | $422,100 | $520,700 |
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.