W5664 Stonehill Rd N
Medary, WI 54601
$850,000
5 bd · 3.5 ba · 4,530 sqft · Listed 3d ago
View on Realtor.com →Year built
2005
Sqft
4,530
Lot sqft
270,508
HOA / mo
None
Furnished
No
List date
2026-09-28T17:54:15.000000Z
Revenue
Annual revenue
$52,804
ADR
$272
Occupancy
53%
Cleaning fees (12 mo)
$5,496
Confidence
High (79.98), 6 comps
Comp revenue range (p25 / median / p75)
Top Shelf Suite
Apartment · 4 bd · 1.5 ba · sleeps 8 · 3.2 mi
Revenue $47,386ADR $259Occ ≈ 50%5★ (25)
La Crosse's Bluffside Retreat
House · 5 bd · 2 ba · sleeps 8 · 3.3 mi
Revenue $59,781ADR $405Occ ≈ 40%4.8★ (22)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Private home,accessible,parking House | 5 bd · 1.5 ba · sleeps 14 | $45,614 | $264 | 47% | 4.8★ (63) | 1.2 mi | AirbnbVrbo |
4BR Classical Home | Near UWL & Hiking Trails House | 4 bd · 1.5 ba · sleeps 9 | $54,809 | $273 | 55% | 4.8★ (42) | 2.3 mi | AirbnbVrbo |
✨ Cobblestone Cottage, 4 bedroom,centrally located House | 4 bd · 2.5 ba · sleeps 8 | $42,645 | $381 | 31% | 4.8★ (80) | 3.2 mi | AirbnbVrbo |
Mod Manor on Main- Celebrations, Reunions, Events House | 6 bd · 2.5 ba · sleeps 15 | $71,299 | $569 | 34% | 4.9★ (125) | 3.2 mi | AirbnbVrbo |
Top Shelf Suite Apartment | 4 bd · 1.5 ba · sleeps 8 | $47,386 | $259 | 50% | 5★ (25) | 3.2 mi | Airbnb |
La Crosse's Bluffside Retreat House | 5 bd · 2 ba · sleeps 8 | $59,781 | $405 | 40% | 4.8★ (22) | 3.3 mi | Airbnb |
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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$52,804
NOI
$20,722
Cash flow /mo
-$2,853
Cash needed
$279,000
Cash-on-cash
-12.3%
ROE (yr 1)
-1.1%
Cap rate
2.4%
DSCR
0.38
Year-1 write-off
$163,106
Year-1 tax shield @ 32%
$52,194
Year-1 return on equity
- Cash flow (annual)-$34,242
- Principal paydown$5,562
- Appreciation at%$25,500
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)$10,561
- Platform fees (3% of revenue)$1,584
- Maintenance / capex (5% of revenue)$2,640
- Utilities & supplies$4,200
- HOA$0
- Property tax$8,889
- Insurance (STR-rated)$4,208
Cash needed to close
- Down payment (25%)$212,500
- Closing costs (4.0%)$34,000
- Furnishing (bought new)$32,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$52,194
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
$736,000
Short-life (5/15-yr)
$129,000 · 17%
Year-1 deduction
$163,000
Year-1 tax shield @ 32%
$52,000
Land 13% (county tax record, assessed value split) · building $607,000 over 39 years · new furniture $33,000
Based on: 4,530 sq ft, built 2005, 5 bd / 3.5 ba, unfurnished, listing features (deck, patio, game room, fireplace, stone counters, appliance list, septic, wooded lot).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $102,000 in year 1 (9% short-life, $33,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $9,200
Kitchen cabinetsdefault
$15,700 new × 40% good × 1.46 allocation
- $9,400
Kitchen countertops (stone)listing
$16,100 new × 40% good × 1.46 allocation
- $4,600
Decorative trimdefault
$7,900 new × 40% good × 1.46 allocation
- $300
Mirrorsdefault
$500 new × 40% good × 1.46 allocation
- $1,100
Shelvingdefault
$1,800 new × 40% good × 1.46 allocation
- $6,600
Window coverings (45)default
$11,300 new × 40% good × 1.46 allocation
- $6,800
Carpet, vinyl & laminate (40% of floors)default
$11,700 new × 40% good × 1.46 allocation
- $10,400
Kitchen & laundry equipment plumbingdefault
$12,200 new × 58% good × 1.46 allocation
- $6,300
Kitchen, laundry & data equipment electricaldefault
$7,400 new × 58% good × 1.46 allocation
- $4,500
Appliances (range, microwave, dishwasher, refrigerator, washer, dryer)listing
$7,700 new × 40% good × 1.46 allocation
- $26,500
Furniture bought newlisting
$26,500 new × 100% good · bought separately
- $6,000
Game-room equipment bought newlisting
$6,000 new × 100% good · bought separately
- $12,700
Paving: driveway & walks (paved)listing
$17,400 new × 50% good × 1.46 allocation
- $4,900
Landscaping (minimal)listing
$6,700 new × 50% good × 1.46 allocation
- $14,900
Patioslisting
$20,400 new × 50% good × 1.46 allocation
- $37,200
Decks & porches (attached)listing
$51,000 new × 50% good × 1.46 allocation
- $467,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$492,700 new × 65% good × 1.46 allocation
- $43,300
Building plumbing & fixturesdefault
$51,100 new × 58% good × 1.46 allocation
- $46,300
Building electrical & lightingdefault
$54,700 new × 58% good × 1.46 allocation
- $29,800
HVACdefault
$51,000 new × 40% good × 1.46 allocation
- $10,200
Hardwood & tile floorsdefault
$17,500 new × 40% good × 1.46 allocation
- $1,500
Fireplacelisting
$2,600 new × 40% good × 1.46 allocation
- $8,800
Septic systemlisting
$12,000 new × 50% good × 1.46 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $91,500 | $69,700 | $1,900 | $163,100 |
| 2 | $0 | $0 | $15,600 | $15,600 |
| 3 | $0 | $0 | $15,600 | $15,600 |
| 4 | $0 | $0 | $15,600 | $15,600 |
| 5 | $0 | $0 | $15,600 | $15,600 |
| 6+ | $0 | $0 | $542,900 | $542,900 |
| Total | $91,500 | $69,700 | $607,100 | $768,300 |
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.