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Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

1290 Minton Dr

1290 Minton Dr

Big Bear City, CA 92314

$629,000

3 bd · 2.5 ba · Listed 1d ago

View on Realtor.com →
Low confidenceNegative cash flow

Year built

2024

Sqft

—

Lot sqft

11,076

HOA / mo

None

Furnished

Yes

List date

2026-10-29T18:56:59.000000Z

Revenue

Annual revenue

$32,681

ADR

$239

Occupancy

37%

Cleaning fees (12 mo)

$6,556

Confidence

Low (34.43), 49 comps

Comp revenue range (p25 / median / p75)

$14,253$28,390$40,667

Median revenue of shown comps: $28,083

  • New! Bearadise ~ Moonridge Serenade

    Cabin · 3 bd · 3 ba · sleeps 8 · 43 ft

    Revenue $37,946ADR $0Occ ≈ —4.8★ (62)

    Delisted

  • Rest N Relax Inn - Beautiful chalet-style cabin features dramatic forest and slope views!

    Vacation home · 3 bd · 2 ba · sleeps 7 · 174 ft

    Revenue $48,912ADR $499Occ ≈ 27%5★ (1)

    Booking

  • Luna Pines - Spa, A/C Game Rm, Fire Pit & EV Chrg

    Cabin · 3 bd · 2 ba · sleeps 8 · 256 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $45,226ADR $342Occ ≈ 36%5★ (50)

    Airbnb

  • Bear Mtn View Chalet - Spa & Game Room

    Chalet · 3 bd · 2 ba · sleeps 10 · 266 ft

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $32,347ADR $501Occ ≈ 18%5★ (173)

    Airbnb

  • Foosball + Hot Tub + Near Slopes

    Cabin · 3 bd · 3 ba · sleeps 8 · 282 ft

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

    Revenue $19,053ADR $374Occ ≈ 14%4.5★ (2)

    AirbnbVrboBooking

  • Silver Bear Lodge. Near ski areas and zoo.

    Cabin · 3 bd · 2 ba · sleeps 8 · 302 ft

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

    Revenue $20,828ADR $335Occ ≈ 17%5★ (27)

    Airbnb

  • Minton Grove Cabin + Fireplace & EV Charger!

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 322 ft

    • Wifi
    • Washer

    Revenue $5,293ADR $112Occ ≈ 13%—

    AirbnbVrbo

  • Cheerful 3-bedroom cabin with pool table and games

    Cabin · 3 bd · 2 ba · sleeps 7 · 325 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $18,482ADR $272Occ ≈ 19%4.8★ (54)

    Airbnb

  • Minton Heaven Cabin | Spa · Foosball · Deck

    Cabin · 3 bd · 2 ba · sleeps 7 · 384 ft

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

    Revenue $21,415ADR $362Occ ≈ 16%4.8★ (24)

    AirbnbVrboBooking

  • Villa Grove | 3 Mi to Bear Mtn, Hot Tub & Games

    House · 3 bd · 2 ba · sleeps 8 · 410 ft

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

    Revenue $55,742ADR $313Occ ≈ 49%4.8★ (155)

    AirbnbVrboBooking

Show 39 more
  • Modern Mountain Cabin | Prime Location | Sleeps 8

    Cabin · 3 bd · 3 ba · sleeps 8 · 436 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $10,605ADR $478Occ ≈ 6%4.9★ (8)

    AirbnbVrbo

  • Hot Tub Insane Views 7 beds Snow Ready

    Cabin · 3 bd · 2.5 ba · sleeps 6 · 449 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +3

    Revenue $45,540ADR $273Occ ≈ 46%4.8★ (48)

    Airbnb

  • BEAUTIFUL CABIN WITH HOT TUB AND INCREDIBLE VIEWS

    Cabin · 3 bd · 2 ba · sleeps 8 · 449 ft

    Revenue $41,224ADR $369Occ ≈ 31%4.8★ (269)

    Delisted

  • Cozy Cabin: Spa, Billiards, & Room for Whole Crew!

    Cabin · 3 bd · 2 ba · sleeps 7 · 459 ft

    Revenue $31,053ADR $324Occ ≈ 26%5★ (4)

    Delisted

  • Geodesic Dome Home w/ Hot Tub & Yard in Big Bear!

    House · 3 bd · 2 ba · sleeps 8 · 476 ft

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

    Revenue $13,826ADR $368Occ ≈ 10%4.8★ (7)

    AirbnbVrboBooking

  • Lone Wolf Lodge - W/ Beautiful Mountain View’s

    Cabin · 3 bd · 2 ba · sleeps 8 · 495 ft

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

    Revenue $1,199ADR $233Occ ≈ 1%—

    Airbnb

  • The Wolf House-Best Mountain View’s.

    Cabin · 3 bd · 2 ba · sleeps 8 · 499 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $17,246ADR $299Occ ≈ 16%4.8★ (10)

    AirbnbVrbo

  • Upper Moonridge + Fire Pit | Pet Friendly

    Cabin · 3 bd · 2 ba · sleeps 8 · 502 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $28,696ADR $218Occ ≈ 36%5★ (3)

    AirbnbVrbo

  • HOT TUB! 5 STAR LOG HOME Tree Top & Slope View TTL

    House · 3 bd · 2.5 ba · sleeps 8 · 505 ft

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

    Revenue $18,889ADR $741Occ ≈ 7%4.5★ (67)

    AirbnbVrboBooking

  • Play All Day! Game Room, Swing Set & Hot Tub Cabin

    House · 3 bd · 2 ba · sleeps 6 · 509 ft

    Revenue $1,366ADR $418Occ ≈ 1%—

    AirbnbBooking

  • Gentle Grizzly Getaway:Views of Bear Mtn!

    House · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi

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

    Revenue $44,350ADR $324Occ ≈ 38%4.7★ (77)

    AirbnbVrbo

  • Chateau Smith - dog-friendly

    House · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $13,759ADR $268Occ ≈ 14%4.8★ (9)

    Delisted

  • The Nest at Big Bear

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $22,368ADR $276Occ ≈ 22%4.9★ (31)

    AirbnbVrboBooking

  • Moonlight Memories | Jacuzzi, Theatre, Dogs Okay!

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.1 mi

    Revenue $36,258ADR $416Occ ≈ 24%4.5★ (25)

    Airbnb

  • Beautiful Log Style Cabin

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $11,370ADR $219Occ ≈ 14%4.8★ (7)

    AirbnbVrbo

  • Moonridge Chalet - amazing A frame home, hot tub.

    House · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $16,800ADR $589Occ ≈ 8%5★ (3)

    Airbnb

  • Hideaway

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

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

    Revenue $2,079ADR $259Occ ≈ 2%5★ (2)

    AirbnbVrbo

  • Big Bear Wilderness Retreat + Spa + Hiking Trail

    House · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $28,083ADR $537Occ ≈ 14%5★ (1)

    Airbnb

  • Bearadise Log Cabin w/ Forest Winter Views & Charm

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $43,300ADR $303Occ ≈ 39%5★ (230)

    AirbnbVrboBooking

  • Onyx + Pine | A-Frame Cabin w/ Hot Tub & Game Loft

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $75,842ADR $314Occ ≈ 66%5★ (72)

    Airbnb

  • Snowy Evening Lodge - Deck Treetop Views & Firepit

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +4

    Revenue $33,603ADR $283Occ ≈ 33%4.9★ (68)

    AirbnbVrbo

  • Hexagon Mountain View & Spa

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    Revenue $11,620ADR $447Occ ≈ 7%4.7★ (3)

    Airbnb

  • Big Bear Cabin w/ Hot Tub < 3 Mi to Skiing!

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +2

    Revenue $18,337ADR $366Occ ≈ 14%4.5★ (21)

    AirbnbVrboBooking

  • Endless Views. Great for Families. BBQ. AC

    House · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi

    Revenue $9,123ADR $456Occ ≈ 5%4.8★ (17)

    AirbnbBooking

  • Moonridge Chalet - amazing A frame home for a couples retreat

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $16,588ADR $684Occ ≈ 7%—

    Delisted

  • Moonridge Retreat Hot Tub Foosball Families!

    Chalet · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $38,994ADR $245Occ ≈ 44%4.8★ (380)

    Delisted

  • Moonridge, Views, Pets, Baby Ready

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.1 mi

    Revenue $1,455ADR $485Occ ≈ 1%4.8★ (57)

    Airbnb

  • Sleeps 8 · Hot Tub + Game Room · 10 min to Lake

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $41,385ADR $324Occ ≈ 35%4.8★ (178)

    AirbnbVrbo

  • Majestic Mountain Manor

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.2 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $35,170ADR $471Occ ≈ 20%4.7★ (13)

    AirbnbVrbo

  • Black Oak Cabin #1977 by Big Bear Vacations

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $36,051ADR $586Occ ≈ 17%5★ (1)

    Booking

  • Black Oak Cabin Retreat Big Bear w/ Hot Tub

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $34,214ADR $343Occ ≈ 27%4.4★ (61)

    AirbnbBooking

  • Moonridge Cabin: Views, Hot Tub, EV & No Pet Fee

    Cabin · 3 bd · 2.5 ba · sleeps 9 · 0.2 mi

    • Hot tub
    • Pets OK
    • Wifi
    • Kitchen
    • +5

    Revenue $45,547ADR $473Occ ≈ 26%5★ (22)

    AirbnbVrbo

  • Pine Cabin + Wraparound Decks • Big Bear, CA

    House · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $455ADR $227Occ ≈ 1%—

    Delisted

  • Luxury Log Cabin | Ski Views | Hot Tub & Fireplace

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

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

    Revenue $61,763ADR $305Occ ≈ 55%5★ (217)

    AirbnbVrbo

  • Stunning w/gorgeous views,deck,yard & spa. Dogs ok

    Cabin · 3 bd · 2.5 ba · sleeps 9 · 0.2 mi

    Revenue $48,970ADR $296Occ ≈ 45%5★ (60)

    Airbnb

  • Starlight Sanctuary | Wow Views, AC, Near Slopes!

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    • A/C
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $70,513ADR $287Occ ≈ 67%4.8★ (56)

    AirbnbVrboBooking

  • Bear Claw Inn - A place to enjoy peace with your family! Comes with a Foosball Table and more!

    Vacation home · 3 bd · 3 ba · sleeps 8 · 0.2 mi

    Revenue $36,494ADR $912Occ ≈ 11%4.7★ (4)

    Booking

  • Smart TV, BBQ, Deck, Walk to Slopes

    House · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $15,532ADR $317Occ ≈ 13%4.7★ (3)

    AirbnbBooking

  • The Lazy JT Ranch - Slope views, fenced yard, deck, bbq

    House · 3 bd · 3 ba · sleeps 7 · 0.2 mi

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $2,759ADR $523Occ ≈ 1%—

    VrboBooking

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 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

Est. revenue

$32,681

NOI

$9,203

Cash flow /mo

-$2,691

Cash needed

$182,410

Cash-on-cash

-17.7%

ROE (yr 1)

-5.2%

Cap rate

1.5%

DSCR

0.22

Year-1 write-off

$150,775

Year-1 tax shield @ 32%

$48,248

Year-1 return on equity

  • Cash flow (annual)-$32,296
  • Principal paydown$3,949
  • Appreciation at%$18,870
ROE-5.2%

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)$6,536
  • Platform fees (3% of revenue)$980
  • Maintenance / capex (5% of revenue)$1,634
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$7,863
  • Insurance (STR-rated)$3,208

Cash needed to close

  • Down payment (25%)$157,250
  • Closing costs (4.0%)$25,160
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$48,248

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

$560,000

Short-life (5/15-yr)

$150,000 · 27%

Year-1 deduction

$151,000

Year-1 tax shield @ 32%

$48,000

Land 11% (county tax record, assessed value split) · building $410,000 over 39 years

Based on: ~1,900 sq ft (from beds), built 2024, 3 bd / 2.5 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $88,000 in year 1 (16% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$92,000
  • Kitchen cabinetsdefault

    $10,000 new × 92% good × 1.57 allocation

    $14,400
  • Kitchen countertopsdefault

    $8,200 new × 92% good × 1.57 allocation

    $11,700
  • Decorative trimdefault

    $3,300 new × 92% good × 1.57 allocation

    $4,800
  • Mirrorsdefault

    $300 new × 83% good × 1.57 allocation

    $400
  • Shelvingdefault

    $1,200 new × 92% good × 1.57 allocation

    $1,700
  • Window coverings (19)default

    $4,800 new × 80% good × 1.57 allocation

    $5,900
  • Carpet, vinyl & laminate (100% of floors)listing

    $12,200 new × 83% good × 1.57 allocation

    $16,000
  • Kitchen & laundry equipment plumbingdefault

    $7,800 new × 96% good × 1.57 allocation

    $11,700
  • Kitchen, laundry & data equipment electricaldefault

    $4,700 new × 96% good × 1.57 allocation

    $7,000
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)listing

    $8,100 new × 83% good × 1.57 allocation

    $10,600
  • Furniture conveyed with the sale (used)listing

    $19,500 new × 40% good · out of the price

    $7,800
15-year land improvements$58,400
  • Paving: driveway & walks (paved)default

    $9,000 new × 92% good × 1.57 allocation

    $13,000
  • Landscaping (typical)default

    $8,700 new × 92% good × 1.57 allocation

    $12,500
  • Patiosdefault

    $1,900 new × 92% good × 1.57 allocation

    $2,700
  • Decks & porches (attached)listing

    $21,400 new × 90% good × 1.57 allocation

    $30,100
Building, 39-year$410,100
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $206,100 new × 97% good × 1.57 allocation

    $311,900
  • Building plumbing & fixturesdefault

    $21,400 new × 96% good × 1.57 allocation

    $32,100
  • Building electrical & lightingdefault

    $21,400 new × 96% good × 1.57 allocation

    $32,100
  • HVACdefault

    $21,400 new × 90% good × 1.57 allocation

    $30,200
  • Fireplacelisting

    $2,600 new × 92% good × 1.57 allocation

    $3,800

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$92,000$58,400$400$150,800
2$0$0$10,500$10,500
3$0$0$10,500$10,500
4$0$0$10,500$10,500
5$0$0$10,500$10,500
6+$0$0$367,600$367,600
Total$92,000$58,400$410,100$560,500

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.