542 Cottage Ln
Big Bear Lake, CA 92315
$699,000
5 bd · 3.5 ba · 2,440 sqft · Listed 1d ago
View on Realtor.com →Year built
1978
Sqft
2,440
Lot sqft
10,019
HOA / mo
None
Furnished
Yes
List date
2026-09-29T16:44:58.000000Z
Revenue
Annual revenue
$96,120
ADR
$780
Occupancy
34%
Cleaning fees (12 mo)
$9,596
Confidence
Low (48.17), 28 comps
Comp revenue range (p25 / median / p75)
Honeypot by AvantStay
Vacation home · 5 bd · 4 ba · sleeps 15 · 0.2 mi
Revenue $203,006ADR $1,005Occ ≈ 55%—
HoneyBear Lodge Lakefront
Vacation home · 5 bd · 4 ba · sleeps 14 · 0.4 mi
Revenue $142,924ADR $1,301Occ ≈ 30%—
Family Fun House
House · 5 bd · 4 ba · sleeps 13 · 0.4 mi
Revenue $32,122ADR $431Occ ≈ 20%4.7★ (122)
Good Vibes Only
Cabin · 5 bd · 4 ba · sleeps 16 · 0.4 mi
Revenue $173,032ADR $1,774Occ ≈ 27%4.7★ (14)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Honeypot by AvantStay Vacation home | 5 bd · 4 ba · sleeps 15 | $203,006 | $1,005 | 55% | — | 0.2 mi | Booking |
Luxury Honey Bear Lakefront, Private Dock & SPA Cabin | 5 bd · 4 ba · sleeps 14 | $122,169 | $1,252 | 27% | 4.9★ (44) | 0.3 mi | AirbnbVrbo |
Family Fun House walk to Village Sleeps 14 WiFi Cabin | 5 bd · 4 ba · sleeps 14 | $41,703 | $551 | 21% | 4.7★ (3) | 0.3 mi | AirbnbVrboBooking |
Lake View! Hot Tub! Pool Table! Theater! House | 5 bd · 4.5 ba · sleeps 16 | $147,411 | $1,126 | 36% | 4.8★ (94) | 0.4 mi | AirbnbVrbo |
Lakefront Luxe Lodge, Dock & Hot Tub near Village House | 5 bd · 3.5 ba · sleeps 16 | $129,913 | $1,377 | 26% | 4.5★ (8) | 0.4 mi | AirbnbVrboBooking |
Stunning View of Lake | Sauna, Hot Tub, Game Room Cabin | 5 bd · 3 ba · sleeps 13 | $122,851 | $687 | 49% | 5★ (52) | 0.4 mi | AirbnbVrboBooking |
HoneyBear Lodge Lakefront Vacation home | 5 bd · 4 ba · sleeps 14 | $142,924 | $1,301 | 30% | — | 0.4 mi | Booking |
Family Fun House House | 5 bd · 4 ba · sleeps 13 | $32,122 | $431 | 20% | 4.7★ (122) | 0.4 mi | Airbnb |
Good Vibes Only Cabin | 5 bd · 4 ba · sleeps 16 | $173,032 | $1,774 | 27% | 4.7★ (14) | 0.4 mi | Airbnb |
Spectacular Lake Views; Walk to Village; Hot Tub! House | 5 bd · 3 ba · sleeps 12 | $75,094 | $866 | 24% | 4.8★ (102) | 0.4 mi | AirbnbVrbo |
Show all 28 comps
Spectacular Lake Views; Walk to Village; Hot Tub, Foosball & Shuffleboard
House · 5 bd · 3 ba · sleeps 14 · 0.4 mi
Revenue $72,950ADR $940Occ ≈ 21%4.8★ (47)
Lake Front Home-Hot Tub-Fishing
House · 5 bd · 3 ba · sleeps 12 · 0.5 mi
Revenue $161,644ADR $738Occ ≈ 60%4.9★ (220)
Temple Bear Chalet by Big Bear Vacations
Vacation home · 5 bd · 4 ba · sleeps 14 · 0.6 mi
Revenue $75,098ADR $1,128Occ ≈ 18%—
Temple Bear Chalet #2507
Vacation home · 5 bd · 4 ba · sleeps 14 · 0.6 mi
Revenue $101,485ADR $1,614Occ ≈ 17%—
Casa De Oso Lakefront - Make memories at this stunning home! Billiards & Cinema room
Vacation home · 5 bd · 4 ba · sleeps 12 · 0.7 mi
Revenue $146,303ADR $1,350Occ ≈ 30%—
The Pines Retreat- Impeccable Modern Village Chalet
Vacation home · 5 bd · 4 ba · sleeps 16 · 0.7 mi
Revenue $88,962ADR $1,206Occ ≈ 20%—
Cozy Big Bear Lake Home with Lake View
House · 5 bd · 3 ba · sleeps 11 · 0.7 mi
Revenue $47,622ADR $603Occ ≈ 22%5★ (46)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Wake & Lake • Lakefront VIEWS + Hot Tub | Dock House | 5 bd · 4 ba · sleeps 16 | $105,526 | $926 | 31% | 4.8★ (25) | 0.4 mi | AirbnbVrbo |
Big Bear~5BD~Near Village~ Lake Views~ Hot Tub Cabin | 5 bd · 3 ba · sleeps 12 | $62,595 | $829 | 21% | 4.8★ (239) | 0.4 mi | AirbnbVrbo |
Spectacular Lake Views; Walk to Village; Hot Tub, Foosball & Shuffleboard House | 5 bd · 3 ba · sleeps 14 | $72,950 | $940 | 21% | 4.8★ (47) | 0.4 mi | Vrbo |
Sky High Retreat- W/ Game room and Spa House | 5 bd · 3 ba · sleeps 14 | $41,147 | $1,106 | 10% | 4.6★ (64) | 0.5 mi | AirbnbVrbo |
LogCabinw/LakeViews!SAUNA,HOTTUB,POOLTABLE & more! House | 5 bd · 4 ba · sleeps 16 | $94,557 | $845 | 31% | 4.8★ (26) | 0.5 mi | AirbnbVrbo |
Lake Front Home-Hot Tub-Fishing House | 5 bd · 3 ba · sleeps 12 | $161,644 | $738 | 60% | 4.9★ (220) | 0.5 mi | Airbnb |
Lake View| Fireplace |Big Groups|Hot Tub|Game Room House | 5 bd · 4 ba · sleeps 14 | $56,265 | $758 | 20% | 4.9★ (25) | 0.5 mi | AirbnbVrboBooking |
Big Bear Lake House Close to Village & Slopes !!! House | 5 bd · 4 ba · sleeps 14 | $42,954 | $787 | 15% | 4.7★ (20) | 0.5 mi | AirbnbBooking |
P:NO.12 Cedar Creek-Two-Story Kitchen & Terrace Cabin | 5 bd · 3 ba · sleeps 2 | $46,275 | $190 | 67% | 3.8★ (5) | 0.5 mi | AirbnbVrbo |
Walking distance to the village/lake/hiking/biking Cabin | 5 bd · 3 ba · sleeps 11 | $18,883 | $708 | 7% | 5★ (27) | 0.5 mi | AirbnbVrbo |
Lakefront - Perfect Location to View Fireworks! Cabin | 5 bd · 3.5 ba · sleeps 16 | $106,284 | $1,065 | 27% | 4.5★ (37) | 0.6 mi | AirbnbVrbo |
Temple Bear Chalet w/ Hot Tub + Games Cabin | 5 bd · 4 ba · sleeps 14 | $53,089 | $1,270 | 11% | 4.8★ (4) | 0.6 mi | AirbnbVrbo |
Temple Bear Chalet by Big Bear Vacations Vacation home | 5 bd · 4 ba · sleeps 14 | $75,098 | $1,128 | 18% | — | 0.6 mi | Booking |
Temple Bear Chalet #2507 Vacation home | 5 bd · 4 ba · sleeps 14 | $101,485 | $1,614 | 17% | — | 0.6 mi | Booking |
Big Bear Farmhouse With Spa, Gameroom & Pool Table House | 5 bd · 4 ba · sleeps 11 | $70,605 | $1,070 | 18% | 5★ (65) | 0.6 mi | AirbnbVrbo |
Casa De Oso Lakefront - Make memories at this stunning home! Billiards & Cinema room Vacation home | 5 bd · 4 ba · sleeps 12 | $146,303 | $1,350 | 30% | — | 0.7 mi | Booking |
The Pines Retreat- Impeccable Modern Village Chalet Vacation home | 5 bd · 4 ba · sleeps 16 | $88,962 | $1,206 | 20% | — | 0.7 mi | Booking |
Cozy Big Bear Lake Home with Lake View House | 5 bd · 3 ba · sleeps 11 | $47,622 | $603 | 22% | 5★ (46) | 0.7 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
$96,120
NOI
$53,752
Cash flow /mo
$713
Cash needed
$202,710
Cash-on-cash
4.2%
ROE (yr 1)
16.8%
Cap rate
7.7%
DSCR
1.19
Year-1 write-off
$151,663
Year-1 tax shield @ 32%
$48,532
Year-1 return on equity
- Cash flow (annual)$8,553
- Principal paydown$4,574
- Appreciation at%$20,970
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)$19,224
- Platform fees (3% of revenue)$2,884
- Maintenance / capex (5% of revenue)$4,806
- Utilities & supplies$4,200
- HOA$0
- Property tax$8,738
- Insurance (STR-rated)$3,565
Cash needed to close
- Down payment (25%)$174,750
- Closing costs (4.0%)$27,960
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$48,532
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
$516,000
Short-life (5/15-yr)
$150,000 · 29%
Year-1 deduction
$152,000
Year-1 tax shield @ 32%
$49,000
Land 27% (county tax record, assessed value split) · building $365,000 over 39 years
Based on: 2,440 sq ft, built 1978, 5 bd / 3.5 ba, furnished, listing features (deck, fence, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $88,000 in year 1 (17% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,600
Kitchen cabinetsdefault
$11,100 new × 40% good × 2.61 allocation
- $9,500
Kitchen countertopsdefault
$9,100 new × 40% good × 2.61 allocation
- $4,500
Decorative trimdefault
$4,300 new × 40% good × 2.61 allocation
- $500
Mirrorsdefault
$500 new × 40% good × 2.61 allocation
- $1,900
Shelvingdefault
$1,800 new × 40% good × 2.61 allocation
- $6,300
Window coverings (24)default
$6,000 new × 40% good × 2.61 allocation
- $16,400
Carpet, vinyl & laminate (100% of floors)listing
$15,700 new × 40% good × 2.61 allocation
- $9,000
Kitchen & laundry equipment plumbingdefault
$8,700 new × 40% good × 2.61 allocation
- $5,500
Kitchen, laundry & data equipment electricaldefault
$5,200 new × 40% good × 2.61 allocation
- $1,900
Appliances (range)listing
$1,800 new × 40% good × 2.61 allocation
- $10,600
Furniture conveyed with the sale (used)listing
$26,500 new × 40% good · out of the price
- $13,300
Paving: driveway & walks (paved)default
$10,200 new × 50% good × 2.61 allocation
- $12,800
Landscaping (typical)default
$9,900 new × 50% good × 2.61 allocation
- $3,100
Patiosdefault
$2,400 new × 50% good × 2.61 allocation
- $35,800
Decks & porches (attached)listing
$27,500 new × 50% good × 2.61 allocation
- $7,800
Fencinglisting
$6,000 new × 50% good × 2.61 allocation
- $275,700
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$264,400 new × 40% good × 2.61 allocation
- $28,700
Building plumbing & fixturesdefault
$27,500 new × 40% good × 2.61 allocation
- $29,400
Building electrical & lightingdefault
$28,200 new × 40% good × 2.61 allocation
- $28,700
HVACdefault
$27,500 new × 40% good × 2.61 allocation
- $2,700
Fireplacelisting
$2,600 new × 40% good × 2.61 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $77,600 | $72,900 | $1,200 | $151,700 |
| 2 | $0 | $0 | $9,400 | $9,400 |
| 3 | $0 | $0 | $9,400 | $9,400 |
| 4 | $0 | $0 | $9,400 | $9,400 |
| 5 | $0 | $0 | $9,400 | $9,400 |
| 6+ | $0 | $0 | $326,500 | $326,500 |
| Total | $77,600 | $72,900 | $365,200 | $515,600 |
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 and Georgia 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.