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Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

1420 E Big Bear Blvd

1420 E Big Bear Blvd

Big Bear City, CA 92314

$415,000

3 bd · 2 ba · 1,036 sqft · Listed 1d ago

View on Realtor.com →
Low confidenceNegative cash flow

Year built

2021

Sqft

1,036

Lot sqft

6,708

HOA / mo

$0

Furnished

No

List date

2026-10-20T19:34:58.000000Z

Revenue

Annual revenue

$28,063

ADR

$257

Occupancy

30%

Cleaning fees (12 mo)

$5,938

Confidence

Low (38.14), 47 comps

Comp revenue range (p25 / median / p75)

$14,390$23,662$34,620

Median revenue of shown comps: $23,497

  • Private Hot Tub • Game Room • Mountain Views

    Cabin · 3 bd · 2 ba · sleeps 8 · 407 ft

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

    Revenue $56,406ADR $280Occ ≈ 55%5★ (175)

    Airbnb

  • Cozy Mountain Cabin w/ Hot Tub, Fireplace & Deck

    House · 3 bd · 2 ba · sleeps 8 · 440 ft

    Revenue $5,036ADR $296Occ ≈ 5%5★ (6)

    Delisted

  • 🍁 MalaBear Lodge in the🌲 🌲15 min to 🏔 Private Spa

    Cabin · 3 bd · 2 ba · sleeps 8 · 459 ft

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

    Revenue $40,469ADR $347Occ ≈ 32%4.9★ (183)

    AirbnbVrboBooking

  • Sweet Cabin Gateway | Cozy Big Bear Retreat Minutes From Adventure

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

    Revenue $26,509ADR $414Occ ≈ 18%—

    Booking

  • Sweet Cabin Home Gateway #2576

    Vacation home · 3 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $26,102ADR $420Occ ≈ 17%—

    Booking

  • Family friendly cozy cabin in Big Bear

    Cabin · 3 bd · 1.5 ba · sleeps 9 · 0.1 mi

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

    Revenue $18,657ADR $332Occ ≈ 15%4.8★ (5)

    Vrbo

  • The Lazy Bear Inn- Family Friendly Game Room & Spa

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

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

    Revenue $24,456ADR $337Occ ≈ 20%4.8★ (52)

    AirbnbVrbo

  • Vintage Hollywood Hideaway: Spa, Sauna, Speakeasy

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

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

    Revenue $70,740ADR $340Occ ≈ 57%4.9★ (294)

    AirbnbVrbo

  • Bear Meadow -Create your Big Bear Memories

    House · 3 bd · 2 ba · sleeps 9 · 0.1 mi

    Revenue $17,109ADR $468Occ ≈ 10%4.8★ (45)

    Delisted

  • Pet-friendly cabin with Mountain Views

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $33,558ADR $178Occ ≈ 52%5★ (51)

    AirbnbVrboBooking

Show 37 more
  • HOME SWEET HOME sleeps 7- Enjoy the Forest

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

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

    Revenue $22,301ADR $202Occ ≈ 30%4.8★ (84)

    Airbnb

  • Malabar Mountain Cabin Tucked in Forest Pine View.

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

    Revenue $24,007ADR $148Occ ≈ 44%4.7★ (18)

    AirbnbBooking

  • The Bears Lair Perfect for family w-full Amenities

    Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi

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

    Revenue $24,653ADR $272Occ ≈ 25%4.5★ (32)

    AirbnbVrboBooking

  • Bear Paw Lodge *Cozy home w/ fireplace & game room

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

    Revenue $15,054ADR $250Occ ≈ 16%4.8★ (43)

    Delisted

  • Cozy Cabin: Your Big Bear Retreat with jaccuzi

    House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi

    Revenue $17,855ADR $647Occ ≈ 8%4.7★ (14)

    Delisted

  • 3 bedroom with fireplace + deck - Emerald Retreat

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $7,933ADR $170Occ ≈ 13%5★ (7)

    Airbnb

  • Gold Rush Retreat, Sleeps 10, Mountain Views

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

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace

    Revenue $34,546ADR $250Occ ≈ 38%4.9★ (78)

    Airbnb

  • *Play Big Bear* Fun-Packed BB City Family Retreat*

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

    Revenue $16,376ADR $274Occ ≈ 16%5★ (3)

    Booking

  • Play Big Bear #2580

    Vacation home · 3 bd · 2 ba · sleeps 8 · 0.2 mi

    Revenue $14,527ADR $431Occ ≈ 9%—

    Booking

  • Play Big Bear - Relaxing Bear City Family Retreat-

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

    Revenue $32,222ADR $361Occ ≈ 24%3★ (2)

    Airbnb

  • Stylish Family Cabin w/ Pac-Man & Stone Fireplace!

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

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

    Revenue $10,016ADR $250Occ ≈ 11%4.9★ (25)

    Airbnb

  • Relaxing Bruin Chalet at Big Bear City- Minutes to Activities

    Vacation home · 3 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $45,227ADR $495Occ ≈ 25%4.7★ (4)

    Booking

  • Cozy BearPaw Cave Cabin

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

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

    Revenue $17,267ADR $326Occ ≈ 15%5★ (50)

    AirbnbVrbo

  • PK Serene 3BR Cabin w/ Hot Tub & Outdoor Projector

    House · 3 bd · 2.5 ba · sleeps 8 · 0.3 mi

    Revenue $23,827ADR $373Occ ≈ 18%4.8★ (389)

    Airbnb

  • Dutch Hideaway-3bed W/Gameroom

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

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

    Revenue $13,979ADR $428Occ ≈ 9%4.8★ (7)

    AirbnbVrbo

  • Three 3's Cabin|Gated, AC, dogs ok, Spa, Lrg Yard

    Cabin · 3 bd · 2.5 ba · sleeps 7 · 0.3 mi

    Revenue $23,497ADR $243Occ ≈ 26%4.7★ (29)

    Airbnb

  • Hot Tub! Family! Close to Forest / Slopes/Lake PEA

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

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

    Revenue $7,430ADR $551Occ ≈ 4%4.5★ (8)

    AirbnbVrboBooking

  • Pet Friendly Pickleball Paradise and Hot Tub

    House · 3 bd · 2.5 ba · sleeps 8 · 0.3 mi

    Revenue $39,087ADR $283Occ ≈ 38%5★ (49)

    AirbnbBooking

  • First Chair Lair

    Cabin · 3 bd · 1.5 ba · sleeps 9 · 0.3 mi

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

    Revenue $19,939ADR $245Occ ≈ 22%5★ (96)

    Airbnb

  • Le’s Serenity Cozy Cabin Hot Tub, Games, A.C.

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

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

    Revenue $33,914ADR $292Occ ≈ 32%4.8★ (21)

    AirbnbVrboBooking

  • Central AC! Maple Ridge Getaway in Big Bear

    House · 3 bd · 2.5 ba · sleeps 6 · 0.3 mi

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

    Revenue $34,840ADR $342Occ ≈ 28%5★ (124)

    AirbnbVrbo

  • Big Bear Retreat w/ Hot Tub and fenced backyard!

    Vacation home · 3 bd · 1.5 ba · sleeps 6 · 0.4 mi

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

    Revenue $19,525ADR $219Occ ≈ 24%5★ (109)

    Airbnb

  • BlueJay Gettaway •CozyCabin • Hot Tub • Game Room

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

    Revenue $660ADR $330Occ ≈ 1%5★ (1)

    Airbnb

  • Big Bear Intrigue

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

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

    Revenue $25,279ADR $222Occ ≈ 31%5★ (115)

    Airbnb

  • Papa Joe's Cabin

    Cabin · 3 bd · 1.5 ba · sleeps 8 · 0.4 mi

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

    Revenue $12,577ADR $223Occ ≈ 15%4.6★ (110)

    AirbnbBooking

  • Modern Cabin w/Mtn Views/Pool Table/Jacuzzi for 8

    House · 3 bd · 2.5 ba · sleeps 8 · 0.4 mi

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

    Revenue $41,136ADR $529Occ ≈ 21%4.8★ (335)

    AirbnbVrbo

  • The Little Chalet

    Cabin · 3 bd · 1 ba · sleeps 6 · 0.4 mi

    • Free parking
    • Wifi
    • Kitchen

    Revenue $11,238ADR $241Occ ≈ 13%4.8★ (23)

    AirbnbVrbo

  • Free_Early Check-In/late-Checkout?

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

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

    Revenue $49,458ADR $254Occ ≈ 53%4.8★ (148)

    AirbnbVrbo

  • Family Fun Cabin Hot Tub Pet Friendly Game Room

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

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

    Revenue $44,383ADR $900Occ ≈ 14%5★ (4)

    AirbnbVrbo

  • Big Bear A Frame

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

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $8,761ADR $270Occ ≈ 9%4.6★ (65)

    Airbnb

  • Game Room | Fenced Yard + Fireplace

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

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

    Revenue $12,970ADR $387Occ ≈ 9%4.7★ (12)

    AirbnbVrboBooking

  • Grandpa’s cabin

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

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

    Revenue $1,324ADR $264Occ ≈ 1%5★ (1)

    Airbnb

  • Hot Tub • Game Room • BBQ • Large Cabin • Dogs OK

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

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

    Revenue $52,781ADR $310Occ ≈ 47%4.9★ (276)

    AirbnbVrboBooking

  • Pet-Friendly Big Bear Cabin ~ 6 Mi to Ski Resorts!

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

    • Pets OK
    • Wifi
    • Kitchen
    • Washer
    • +1

    Revenue $20,958ADR $329Occ ≈ 17%4.8★ (50)

    AirbnbVrboBooking

  • Big Bear-Epic Views, Fire Pits, Hot Tub, Theater!

    House · 3 bd · 2 ba · sleeps 8 · 0.5 mi

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

    Revenue $60,588ADR $331Occ ≈ 50%5★ (163)

    AirbnbVrbo

  • Moody Lodge • Hot Tub • Darts

    House · 3 bd · 3 ba · sleeps 7 · 0.5 mi

    Revenue $35,074ADR $314Occ ≈ 31%5★ (202)

    Delisted

  • Spacious 3br perfect for big Group with hot tub

    House · 3 bd · 2 ba · sleeps 10 · 0.5 mi

    Revenue $8,843ADR $406Occ ≈ 6%5★ (4)

    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

Financing
Management
Term

Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

Est. revenue

$28,063

NOI

$9,324

Cash flow /mo

-$1,539

Cash needed

$139,850

Cash-on-cash

-13.2%

ROE (yr 1)

-2.5%

Cap rate

2.2%

DSCR

0.34

Year-1 write-off

$119,035

Year-1 tax shield @ 32%

$38,091

Year-1 return on equity

  • Cash flow (annual)-$18,474
  • Principal paydown$2,524
  • Appreciation at%$12,450
ROE-2.5%

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)$5,613
  • Platform fees (3% of revenue)$842
  • Maintenance / capex (5% of revenue)$1,403
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$5,188
  • Insurance (STR-rated)$2,117

Cash needed to close

  • Down payment (25%)$103,750
  • Closing costs (4.0%)$16,600
  • Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$38,091

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

$338,000

Short-life (5/15-yr)

$99,000 · 29%

Year-1 deduction

$119,000

Year-1 tax shield @ 32%

$38,000

Land 18% (county tax record, assessed value split) · building $239,000 over 39 years · new furniture $20,000

Based on: 1,036 sq ft, built 2021, 3 bd / 2 ba, unfurnished, listing features (hot tub, deck, patio, flooring types, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $82,000 in year 1 (18% short-life, $26,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$76,900
  • Kitchen cabinetsdefault

    $8,100 new × 80% good × 1.83 allocation

    $11,800
  • Kitchen countertopslisting

    $3,300 new × 80% good × 1.83 allocation

    $4,800
  • Decorative trimdefault

    $1,800 new × 80% good × 1.83 allocation

    $2,600
  • Mirrorsdefault

    $300 new × 58% good × 1.83 allocation

    $300
  • Shelvingdefault

    $1,200 new × 80% good × 1.83 allocation

    $1,800
  • Window coverings (10)default

    $2,500 new × 50% good × 1.83 allocation

    $2,300
  • Carpet, vinyl & laminate (100% of floors)listing

    $6,700 new × 58% good × 1.83 allocation

    $7,100
  • Kitchen & laundry equipment plumbingdefault

    $6,300 new × 90% good × 1.83 allocation

    $10,300
  • Kitchen, laundry & data equipment electricaldefault

    $3,800 new × 90% good × 1.83 allocation

    $6,200
  • Appliances (range)listing

    $1,800 new × 58% good × 1.83 allocation

    $1,900
  • Hot tub (freestanding)listing

    $9,000 new × 50% good × 1.83 allocation

    $8,200
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
15-year land improvements$41,900
  • Paving: driveway & walks (paved)default

    $6,700 new × 80% good × 1.83 allocation

    $9,700
  • Landscaping (typical)default

    $6,400 new × 80% good × 1.83 allocation

    $9,400
  • Patioslisting

    $4,700 new × 80% good × 1.83 allocation

    $6,800
  • Decks & porches (attached)listing

    $11,700 new × 75% good × 1.83 allocation

    $16,000
Building, 39-year$239,000
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $111,700 new × 92% good × 1.83 allocation

    $186,900
  • Building plumbing & fixturesdefault

    $11,600 new × 90% good × 1.83 allocation

    $19,100
  • Building electrical & lightingdefault

    $10,400 new × 90% good × 1.83 allocation

    $17,100
  • HVACdefault

    $11,700 new × 75% good × 1.83 allocation

    $16,000

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$76,900$41,900$300$119,000
2$0$0$6,100$6,100
3$0$0$6,100$6,100
4$0$0$6,100$6,100
5$0$0$6,100$6,100
6+$0$0$214,300$214,300
Total$76,900$41,900$239,000$357,800

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

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.