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Rate 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium

40671 Village Dr Unit 13A

40671 Village Dr Unit 13A

Big Bear Lake, CA 92315

$3,000

3 bd · 3 ba · Listed 1d ago

View on Realtor.com →
Est. land %High HOA

Year built

2002

Sqft

—

Lot sqft

—

HOA / mo

$985

Furnished

Yes

List date

2026-10-27T22:14:36.000000Z

Revenue

Annual revenue

$43,825

ADR

$303

Occupancy

40%

Cleaning fees (12 mo)

$7,009

Confidence

Low (41.6), 49 comps

Comp revenue range (p25 / median / p75)

$23,349$37,201$55,282

Median revenue of shown comps: $36,712

  • 3 Bedroom 3 Bath Presidential in Big Bear Village

    Townhouse · 3 bd · 3 ba · sleeps 10 · 66 ft

    Revenue $29,892ADR $621Occ ≈ 13%5★ (1)

    Delisted

  • Big Bear 3Bedroom3Bath Presidential Villa-Sleeps10

    Condominium (condo) · 3 bd · 3 ba · sleeps 10 · 348 ft

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

    Revenue $69,210ADR $675Occ ≈ 28%—

    AirbnbVrbo

  • 88 steps to the Village, HotTub, Shuffle Board

    Cabin · 3 bd · 2 ba · sleeps 7 · 367 ft

    Revenue $37,201ADR $485Occ ≈ 21%5★ (82)

    Airbnb

  • Club at Big Bear Village-3Bd Presidential-BG

    Apartment · 3 bd · 2 ba · sleeps 10 · 367 ft

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

    Revenue $55,282ADR $1,087Occ ≈ 14%—

    AirbnbVrbo

  • Walk to Village! Cozy Wood Fireplace & Jetted Tub!

    House · 3 bd · 2 ba · sleeps 7 · 381 ft

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +1

    Revenue $36,222ADR $285Occ ≈ 35%4.7★ (78)

    AirbnbVrbo

  • RoseCabin 1 min Walk to Village

    House · 3 bd · 2 ba · sleeps 8 · 394 ft

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +3

    Revenue $22,146ADR $261Occ ≈ 23%4.9★ (149)

    AirbnbVrbo

  • Hot Tub, Fire Pit, Lake View, Walk to Village

    House · 3 bd · 2 ba · sleeps 10 · 495 ft

    Revenue $29,247ADR $499Occ ≈ 16%4.5★ (37)

    AirbnbBooking

  • Right in Big Bear Village!

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

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +6

    Revenue $68,771ADR $728Occ ≈ 26%5★ (1)

    AirbnbVrbo

  • Steps to Village, PetsAllowed, Billiards, Arcades

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

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

    Revenue $51,531ADR $466Occ ≈ 30%4.7★ (15)

    Airbnb

  • Luxury 3Bedroom Mountain Retreat

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

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $93,947ADR $405Occ ≈ 64%5★ (1)

    AirbnbVrbo

Show 36 more
  • Amazing Luxury Villa in the Heart of Big Bear!

    House · 3 bd · 3 ba · sleeps 10 · 0.2 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +5

    Revenue $71,911ADR $770Occ ≈ 26%5★ (3)

    AirbnbBooking

  • 4 HOUSES FROM THE VILLAGE, Remodeled, WiFi/Smart TV, W/D, Fireplace, Pets, Clean

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

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

    Revenue $18,982ADR $508Occ ≈ 10%5★ (170)

    Vrbo

  • BBQ + Fenced Yard + Walk to Village & Slopes

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Washer
    • +2

    Revenue $23,103ADR $370Occ ≈ 17%4.8★ (43)

    AirbnbVrboBooking

  • Modoc Cabin #2566

    Vacation home · 3 bd · 2 ba · sleeps 9 · 0.3 mi

    Revenue $54,418ADR $584Occ ≈ 26%—

    Booking

  • Forest Access/Views/Walk2Village/Spa/Kayaks/AC

    House · 3 bd · 2 ba · sleeps 8 · 0.3 mi

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

    Revenue $27,107ADR $338Occ ≈ 22%4.8★ (10)

    AirbnbVrbo

  • Lakefront Paradise: Beautiful Views

    Chalet · 3 bd · 2 ba · sleeps 7 · 0.3 mi

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

    Revenue $48,219ADR $252Occ ≈ 52%4.7★ (329)

    AirbnbVrbo

  • Big Bear Lakefront condo-walk to village

    Townhouse · 3 bd · 4 ba · sleeps 8 · 0.3 mi

    Revenue $24,361ADR $318Occ ≈ 21%4.3★ (66)

    AirbnbBooking

  • Big Bear Bird's Eye View and a Wood Fireplace Too

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi

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

    Revenue $21,745ADR $1,001Occ ≈ 6%5★ (6)

    AirbnbVrbo

  • Modoc Cabin at Big Bear Village - Downtown Retreat

    Cabin · 3 bd · 2 ba · sleeps 9 · 0.3 mi

    Revenue $64,303ADR $676Occ ≈ 26%—

    Airbnb

  • 3 Bedroom home, sleeps 10 -walking to Village

    House · 3 bd · 2 ba · sleeps 10 · 0.3 mi

    Revenue $8,946ADR $532Occ ≈ 5%4.2★ (34)

    Delisted

  • Lakefront home with views|BBQ|Short walk to sites

    House · 3 bd · 4 ba · sleeps 9 · 0.3 mi

    Revenue $23,727ADR $800Occ ≈ 8%4.4★ (70)

    Airbnb

  • Walk to Big Bear Marina: Modern Home w/ Hot Tub!

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $33,904ADR $354Occ ≈ 26%4.7★ (3)

    VrboBooking

  • Mountain Chalet with Lake View - 4 BD / 2 BA

    Chalet · 3 bd · 2 ba · sleeps 9 · 0.3 mi

    Revenue $22,642ADR $423Occ ≈ 15%4.3★ (25)

    Delisted

  • Lakefront and Local, Private Dock, Walk to Village

    Apartment · 3 bd · 4 ba · sleeps 9 · 0.3 mi

    Revenue $30,378ADR $346Occ ≈ 24%5★ (17)

    AirbnbVrboBooking

  • Village Lakefront Condo Retreat at Forest Shores

    Condominium (condo) · 3 bd · 3 ba · sleeps 7 · 0.3 mi

    • Pool
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $30,685ADR $518Occ ≈ 16%4.7★ (17)

    AirbnbBooking

  • 3BR Lakeside Escape- Walk to Village

    House · 3 bd · 4 ba · sleeps 9 · 0.3 mi

    Revenue $3,746ADR $317Occ ≈ 3%—

    Airbnb

  • Tree Top Casitas, Hot Tub & Walk to the Village

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $43,979ADR $249Occ ≈ 48%4.5★ (4)

    AirbnbVrboBooking

  • A/C! Walk to Village & Marina! Lakeviews! HotTub!

    House · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    • Hot tub
    • A/C
    • Wifi
    • Kitchen
    • +2

    Revenue $63,271ADR $393Occ ≈ 44%4.7★ (41)

    AirbnbVrbo

  • 2250-Forest Shores Lake View Condo

    Condominium (condo) · 3 bd · 3 ba · sleeps 9 · 0.3 mi

    • Pool
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $23,349ADR $448Occ ≈ 14%—

    AirbnbVrboBooking

  • Forest Shores Escape | Stunning Lake Views, Walk to Village & Marina

    Vacation home · 3 bd · 3 ba · sleeps 7 · 0.3 mi

    Revenue $41,249ADR $515Occ ≈ 22%3.5★ (1)

    Booking

  • Log Cabin by Village · Spa · Sledding Next Door

    House · 3 bd · 2 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $44,541ADR $332Occ ≈ 37%4.8★ (407)

    AirbnbVrbo

  • Lakefront Views/Walk to Village/Best Location

    House · 3 bd · 3 ba · sleeps 9 · 0.3 mi

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

    Revenue $97,301ADR $545Occ ≈ 49%5★ (11)

    Airbnb

  • The Adler's Nest | Lakefront w/ Pool & Spa

    Condominium (condo) · 3 bd · 3 ba · sleeps 9 · 0.3 mi

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

    Revenue $55,600ADR $412Occ ≈ 37%4.9★ (53)

    AirbnbVrboBooking

  • Lakefront Condo! Firework views! Village Location!

    House · 3 bd · 3 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • Pool
    • Wifi
    • Kitchen
    • +2

    Revenue $55,187ADR $318Occ ≈ 48%4.8★ (56)

    AirbnbVrbo

  • Big Bear Retreat w/ Hot Tub & Fire Pit | Sleeps 8

    House · 3 bd · 3 ba · sleeps 8 · 0.3 mi

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

    Revenue $21,707ADR $393Occ ≈ 15%5★ (7)

    Airbnb

  • Avalon Lodge-0.4 mi to Village, SPA, Game Room

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.4 mi

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

    Revenue $31,597ADR $506Occ ≈ 17%5★ (117)

    Airbnb

  • Pineda Pines: Cabin Minutes from The Village

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.4 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +2

    Revenue $33,691ADR $202Occ ≈ 46%4.7★ (340)

    Airbnb

  • ⭐️Walk to Lake & Village✅WIFI☀️Deck #HoneybeeCabin

    House · 3 bd · 2 ba · sleeps 10 · 0.4 mi

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

    Revenue $47,604ADR $163Occ ≈ 80%4.9★ (343)

    Airbnb

  • Views | Hot Tub | Foosball | Village < 0.5m | BBQ

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.4 mi

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

    Revenue $49,706ADR $387Occ ≈ 35%4.8★ (15)

    Airbnb

  • Walk to Village, Lake + Free Oktoberfest Shuttle!

    Cabin · 3 bd · 2 ba · sleeps 7 · 0.4 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +2

    Revenue $94,179ADR $415Occ ≈ 62%5★ (54)

    Airbnb

  • Lake View Cabin • Hot Tub • Game Room • Smart Home

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.4 mi

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

    Revenue $44,067ADR $462Occ ≈ 26%4.7★ (20)

    AirbnbVrboBooking

  • A Quiet Place

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi

    • Wifi
    • Kitchen
    • Washer

    Revenue $17,288ADR $406Occ ≈ 12%4.9★ (11)

    AirbnbVrbo

  • Snow Summit Getaway Home

    Apartment · 3 bd · 2 ba · sleeps 8 · 0.4 mi

    Revenue $5,000ADR $295Occ ≈ 5%—

    Booking

  • Larks Nest in Big Bear Lake

    Vacation home · 3 bd · 2 ba · sleeps 6 · 0.4 mi

    Revenue $87,408ADR $526Occ ≈ 46%4★ (1)

    Booking

  • Family Mountain Retreat Hot Tub/walking to Village

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi

    Revenue $19,439ADR $524Occ ≈ 10%4.8★ (33)

    Airbnb

  • Yuhaaviat Cabin • Serene location•Walk to Village

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.5 mi

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

    Revenue $50,993ADR $304Occ ≈ 46%4.9★ (240)

    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

Financing
Management
Term

Rate 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium

Est. revenue

$43,825

NOI

$15,486

Cash flow /mo

$1,274

Cash needed

$870

Cash-on-cash

1757.0%

ROE (yr 1)

1769.5%

Cap rate

516.2%

DSCR

77.65

Year-1 write-off

$3,000

Year-1 tax shield @ 32%

$960

Year-1 return on equity

  • Cash flow (annual)$15,286
  • Principal paydown$19
  • Appreciation at%$90
ROE1769.5%

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)$8,765
  • Platform fees (3% of revenue)$1,315
  • Maintenance / capex (5% of revenue)$2,191
  • Utilities & supplies$4,200
  • HOA$11,820
  • Property tax$38
  • Insurance (STR-rated)$15

Cash needed to close

  • Down payment (25%)$750
  • Closing costs (4.0%)$120
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$960

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

$3,000

Short-life (5/15-yr)

$3,000 · 100%

Year-1 deduction

$3,000

Year-1 tax shield @ 32%

$1,000

Land 30% (market default, no usable tax-record split) · building $0 over 39 years

Based on: ~1,900 sq ft (from beds), built 2002, 3 bd / 3 ba, furnished, listing features (hot tub, fireplace, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $3,000 in year 1 (100% short-life, $1,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$3,000
  • Kitchen cabinetsdefault

    $10,000 new × 40% good × 0.00 allocation

    $0
  • Kitchen countertopsdefault

    $8,200 new × 40% good × 0.00 allocation

    $0
  • Decorative trimdefault

    $3,300 new × 40% good × 0.00 allocation

    $0
  • Mirrorsdefault

    $500 new × 40% good × 0.00 allocation

    $0
  • Shelvingdefault

    $1,200 new × 40% good × 0.00 allocation

    $0
  • Window coverings (19)default

    $4,800 new × 40% good × 0.00 allocation

    $0
  • Carpet, vinyl & laminate (40% of floors)default

    $4,900 new × 40% good × 0.00 allocation

    $0
  • Kitchen & laundry equipment plumbingdefault

    $7,800 new × 52% good × 0.00 allocation

    $0
  • Kitchen, laundry & data equipment electricaldefault

    $4,700 new × 52% good × 0.00 allocation

    $0
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)listing

    $8,100 new × 40% good × 0.00 allocation

    $0
  • Hot tub (freestanding)listing

    $9,000 new × 40% good × 0.00 allocation

    $0
  • Furniture conveyed with the sale (used)listing

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

    $3,000
Building, 39-year$0
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $206,000 new × 60% good × 0.00 allocation

    $0
  • Building plumbing & fixturesdefault

    $21,400 new × 52% good × 0.00 allocation

    $0
  • Building electrical & lightingdefault

    $21,400 new × 52% good × 0.00 allocation

    $0
  • HVACdefault

    $21,400 new × 40% good × 0.00 allocation

    $0
  • Hardwood & tile floorsdefault

    $7,300 new × 40% good × 0.00 allocation

    $0
  • Fireplacelisting

    $2,600 new × 40% good × 0.00 allocation

    $0

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$3,000$0$0$3,000
2$0$0$0$0
3$0$0$0$0
4$0$0$0$0
5$0$0$0$0
6+$0$0$0$0
Total$3,000$0$0$3,000

The building's share of the price ($0) is well below our depreciated replacement cost of the home ($185,000). The land share may be overstated, or the home may need work.

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.