71825 Stella Solaris Ln
, CA 96051
$410,000
2 bd · 2 ba · 1,320 sqft · Listed 6d ago
View on Realtor.com →Year built
1980
Sqft
1,320
Lot sqft
276,170
HOA / mo
None
Furnished
No
List date
2026-11-06T19:40:24.000000Z
Revenue
Annual revenue
$23,681
ADR
$194
Occupancy
33%
Cleaning fees (12 mo)
$3,956
Confidence
Med (66.1), 7 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $19,753
Cozy cabin close to lake & I5/ 2 car garage
House · 2 bd · 1 ba · sleeps 4 · 1.1 mi
Revenue $16,764ADR $186Occ ≈ 25%4.7★ (27)
Delisted
Mountain Oaks Chalet
House · 2 bd · 1 ba · sleeps 4 · 1.1 mi
- Free parking
- Wifi
- Kitchen
- Washer
Revenue $18,232ADR $182Occ ≈ 27%5★ (26)
The perfect pit stop.
Tiny house · 2 bd · 2 ba · sleeps 4 · 2.0 mi
Revenue $16,599ADR $127Occ ≈ 36%—
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Cozy cabin close to lake & I5/ 2 car garage House | 2 bd · 1 ba · sleeps 4 | $16,764 | $186 | 25% | 4.7★ (27) | 1.1 mi | Delisted |
Mountain Oaks Chalet House
| 2 bd · 1 ba · sleeps 4 | $18,232 | $182 | 27% | 5★ (26) | 1.1 mi | Airbnb |
Lakehead Bungalow House
| 2 bd · 1 ba · sleeps 6 | $19,753 | $152 | 36% | 4.7★ (13) | 1.2 mi | AirbnbVrboBooking |
Private Lakeview Retreat, Kayaks, Easy Lake Access House
| 2 bd · 2 ba · sleeps 8 | $37,861 | $488 | 21% | 5★ (21) | 1.3 mi | AirbnbVrbo |
Cute Lake Home, 2 Bedroom, 1 Bath, 50 & 30 AMP EV House
| 2 bd · 1 ba · sleeps 6 | $27,616 | $353 | 21% | 5★ (18) | 1.3 mi | AirbnbVrbo |
Charming Lake Cottage • Relaxed, Cozy Stay Cottage
| 2 bd · 2 ba · sleeps 4 | $28,831 | $206 | 38% | 4.8★ (82) | 2.0 mi | AirbnbVrboBooking |
The perfect pit stop. Tiny house | 2 bd · 2 ba · sleeps 4 | $16,599 | $127 | 36% | — | 2.0 mi | Delisted |
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
$23,681
NOI
$6,495
Cash flow /mo
-$1,700
Cash needed
$134,900
Cash-on-cash
-15.1%
ROE (yr 1)
-4.1%
Cap rate
1.6%
DSCR
0.24
Year-1 write-off
$110,020
Year-1 tax shield @ 32%
$35,206
Year-1 return on equity
- Cash flow (annual)-$20,401
- Principal paydown$2,605
- Appreciation at%$12,300
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)$4,736
- Platform fees (3% of revenue)$710
- Maintenance / capex (5% of revenue)$1,184
- Utilities & supplies$4,200
- HOA$0
- Property tax$5,125
- Insurance (STR-rated)$1,845
Cash needed to close
- Down payment (25%)$102,500
- Closing costs (4.0%)$16,400
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$35,206
No county tax record split for property tax, insurance rate and the land/building split, so those use market defaults — edit the price above; 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
$328,000
Short-life (5/15-yr)
$94,000 · 29%
Year-1 deduction
$110,000
Year-1 tax shield @ 32%
$35,000
Land 20% (market default, no usable tax-record split) · building $234,000 over 39 years · new furniture $16,000
Based on: 1,320 sq ft, built 1980, 2 bd / 2 ba, unfurnished, listing features (deck, fireplace, flooring types, appliance list, wooded lot).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $64,000 in year 1 (15% short-life, $21,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $10,500
Kitchen cabinetsdefault
$8,700 new × 40% good × 3.02 allocation
- $8,600
Kitchen countertopsdefault
$7,100 new × 40% good × 3.02 allocation
- $2,800
Decorative trimdefault
$2,300 new × 40% good × 3.02 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.02 allocation
- $1,100
Shelvingdefault
$900 new × 40% good × 3.02 allocation
- $3,900
Window coverings (13)default
$3,300 new × 40% good × 3.02 allocation
- $5,100
Carpet, vinyl & laminate (50% of floors)listing
$4,200 new × 40% good × 3.02 allocation
- $8,200
Kitchen & laundry equipment plumbingdefault
$6,800 new × 40% good × 3.02 allocation
- $4,900
Kitchen, laundry & data equipment electricaldefault
$4,100 new × 40% good × 3.02 allocation
- $6,900
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 3.02 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $11,400
Paving: driveway & walks (paved)default
$7,500 new × 50% good × 3.02 allocation
- $5,500
Landscaping (minimal)listing
$3,600 new × 50% good × 3.02 allocation
- $2,000
Patiosdefault
$1,300 new × 50% good × 3.02 allocation
- $22,500
Decks & porches (attached)listing
$14,900 new × 50% good × 3.02 allocation
- $173,100
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$143,000 new × 40% good × 3.02 allocation
- $17,900
Building plumbing & fixturesdefault
$14,800 new × 40% good × 3.02 allocation
- $16,900
Building electrical & lightingdefault
$14,000 new × 40% good × 3.02 allocation
- $18,000
HVACdefault
$14,900 new × 40% good × 3.02 allocation
- $5,100
Hardwood & tile floorsdefault
$4,200 new × 40% good × 3.02 allocation
- $3,200
Fireplacelisting
$2,600 new × 40% good × 3.02 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $68,500 | $41,300 | $300 | $110,000 |
| 2 | $0 | $0 | $6,000 | $6,000 |
| 3 | $0 | $0 | $6,000 | $6,000 |
| 4 | $0 | $0 | $6,000 | $6,000 |
| 5 | $0 | $0 | $6,000 | $6,000 |
| 6+ | $0 | $0 | $210,000 | $210,000 |
| Total | $68,500 | $41,300 | $234,200 | $344,000 |
The building's share of the price ($328,000) is 3.0x our depreciated replacement cost of the home ($108,000). The IRS guide treats a gap this size as a reason to review the land share: if land is worth more than the county ratio says, the basis and the write-off are smaller.
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. City of Redding caps whole-home vacation rentals at 400 with a 600 ft spacing rule (300 ft with a physical buffer), and its permit is NOT transferable to a new owner. Shasta Lake city and unincorporated Shasta County allow permitted rentals with no cap found, but permits also do not transfer on sale. Lodging tax ~10% plus a 2% tourism assessment in Redding. Verify parcel eligibility with the city or county before you buy.