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Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

1209 Minton Dr

1209 Minton Dr

Big Bear Lake, CA 92315

$800,000

4 bd · 3.5 ba · 2,086 sqft · Listed 1d ago

View on Realtor.com →
Negative cash flow

Year built

2015

Sqft

2,086

Lot sqft

8,002

HOA / mo

$0

Furnished

No

List date

2026-11-02T20:33:25.000000Z

Revenue

Annual revenue

$50,445

ADR

$440

Occupancy

31%

Cleaning fees (12 mo)

$9,302

Confidence

Med (52.83), 48 comps

Comp revenue range (p25 / median / p75)

$35,515$44,185$55,754

Median revenue of shown comps: $44,622

  • Mountain Views | Game Room + Fire Pit

    House · 4 bd · 3.5 ba · sleeps 10 · 525 ft

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

    Revenue $27,516ADR $1,278Occ ≈ 6%5★ (3)

    AirbnbVrboBooking

  • Central AC | Firepit | PoolTable | Airhockey | Spa

    Cabin · 4 bd · 3 ba · sleeps 10 · 0.1 mi

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

    Revenue $97,872ADR $433Occ ≈ 62%4.9★ (200)

    AirbnbVrbo

  • Rustic Bear Mountain Retreat • Large Deck • Spa

    Cabin · 4 bd · 2.5 ba · sleeps 10 · 0.1 mi

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

    Revenue $47,408ADR $436Occ ≈ 30%4.8★ (31)

    AirbnbVrbo

  • Beautiful Views! Hot Tub! Game Room! Piano!

    House · 4 bd · 4 ba · sleeps 10 · 0.1 mi

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

    Revenue $49,203ADR $374Occ ≈ 36%4.8★ (96)

    AirbnbVrbo

  • Slope Views! Near Bear Mountain! Pool Table! BBQ!

    House · 4 bd · 3 ba · sleeps 10 · 0.2 mi

    Revenue $43,616ADR $733Occ ≈ 16%4.5★ (15)

    Airbnb

  • Moonlit Chalet: Hot Tub, Huge Deck w/ Fire Pit.

    Cabin · 4 bd · 2.5 ba · sleeps 10 · 0.2 mi

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

    Revenue $66,451ADR $746Occ ≈ 24%5★ (15)

    AirbnbVrbo

  • Moonridge Retreat | Hot Tub+A/C+Fire Pit+Near Lake

    Cabin · 4 bd · 2.5 ba · sleeps 10 · 0.2 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $90,299ADR $323Occ ≈ 77%4.9★ (108)

    Airbnb

  • New! Bearadise ~ Charming Cabin Getaway

    Cabin · 4 bd · 3 ba · sleeps 10 · 0.2 mi

    • Free parking
    • Wifi
    • Kitchen
    • Fireplace
    • +1

    Revenue $5,610ADR $262Occ ≈ 6%3.5★ (4)

    AirbnbVrbo

  • Pine & Paw | Hot Tub, Sauna, EV, Media Room

    House · 4 bd · 3 ba · sleeps 12 · 0.2 mi

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

    Revenue $23,286ADR $926Occ ≈ 7%5★ (6)

    AirbnbVrboBooking

  • Dog-friendly cabin, picnic table, BBQ, game room, two kitchens and more!

    Cabin · 4 bd · 4 ba · sleeps 10 · 0.3 mi

    Revenue $2,839ADR $473Occ ≈ 2%3.4★ (3)

    Delisted

Show 25 more
  • Dog-friendly cabin, picnic table, BBQ, game room, two kitchens and more!

    Cabin · 4 bd · 4 ba · sleeps 10 · 0.3 mi

    Revenue $6,131ADR $437Occ ≈ 4%—

    Delisted

  • Log Cabin w/ Game Room & AC Near Bear Mountain -BI

    House · 4 bd · 4 ba · sleeps 10 · 0.3 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $40,935ADR $1,774Occ ≈ 6%5★ (1)

    AirbnbVrbo

  • Top of the Grove: Spa! Arcade Game! Pet Friendly!

    House · 4 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $45,896ADR $427Occ ≈ 29%4.8★ (63)

    AirbnbVrbo

  • The Mountain House - Game Room, Arcade Games, Foosball, Deck, BBQ

    Vacation home · 4 bd · 3 ba · sleeps 10 · 0.3 mi

    Revenue $43,748ADR $591Occ ≈ 20%—

    Booking

  • Large, luxury retreat with National Forest views

    House · 4 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $51,577ADR $479Occ ≈ 30%5★ (126)

    AirbnbVrbo

  • Moonridge Heaven - Fun Packed Central Family Retreat w/ Hot Tub + Games

    Vacation home · 4 bd · 3 ba · sleeps 10 · 0.3 mi

    Revenue $58,306ADR $1,595Occ ≈ 10%—

    Booking

  • Moonridge Heaven Family Retreat- Hot Tub + Games

    Cabin · 4 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $26,723ADR $778Occ ≈ 9%5★ (4)

    AirbnbVrboBooking

  • The Drey-Gorgeous Big Bear Mountain Views

    House · 4 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $55,545ADR $519Occ ≈ 29%4.6★ (82)

    AirbnbVrboBooking

  • Family Cabin with Arcade Game Room

    Cabin · 4 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $36,700ADR $554Occ ≈ 18%5★ (2)

    AirbnbVrbo

  • Pet-friendly cabinTwo kitchensBBQGame room

    Cabin · 4 bd · 4 ba · sleeps 10 · 0.3 mi

    Revenue $37,378ADR $464Occ ≈ 22%4.3★ (38)

    AirbnbBooking

  • Halfpipe Lodge - 4 bd/4 bth (8 beds) w/spa.

    Cabin · 4 bd · 4 ba · sleeps 11 · 0.3 mi

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

    Revenue $53,239ADR $492Occ ≈ 30%5★ (73)

    AirbnbVrbo

  • Villa Cozy Grove-Hot Tub, Views, Game Room

    Cabin · 4 bd · 3 ba · sleeps 11 · 0.3 mi

    Revenue $46,214ADR $397Occ ≈ 32%4.5★ (83)

    Airbnb

  • HOT TUB! Pet Friendly! Game Room! Fenced Yard!

    House · 4 bd · 3.5 ba · sleeps 10 · 0.4 mi

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

    Revenue $56,379ADR $445Occ ≈ 35%4.7★ (109)

    AirbnbVrbo

  • Le Vonde Chalet - Luxury log-style, Hot Tub, Game Room, Fire Pit, Walk to Slopes

    Vacation home · 4 bd · 3 ba · sleeps 11 · 0.4 mi

    Revenue $37,800ADR $835Occ ≈ 12%—

    Booking

  • Luxe Moonridge Log Cabin | Hot Tub + Games + AC!

    Cabin · 4 bd · 3 ba · sleeps 12 · 0.4 mi

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

    Revenue $13,507ADR $445Occ ≈ 8%5★ (7)

    AirbnbVrbo

  • 4bdr Big bear cabin/hot tub +pool table

    Cabin · 4 bd · 3 ba · sleeps 12 · 0.4 mi

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

    Revenue $16,419ADR $328Occ ≈ 14%4.9★ (8)

    AirbnbVrbo

  • Luxury Log Cabin | Hot Tub, Game Room

    Cabin · 4 bd · 3 ba · sleeps 12 · 0.4 mi

    Revenue $60,603ADR $879Occ ≈ 19%5★ (4)

    Airbnb

  • Moonridge Ski&Zoo Chalet HotTub/4BB/BBQ/Fr Pit/AC*

    Chalet · 4 bd · 4 ba · sleeps 12 · 0.4 mi

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

    Revenue $80,274ADR $522Occ ≈ 42%5★ (64)

    AirbnbVrboBooking

  • Bear Mountain Chalet w/ views, Hot Tub, and Games!

    Cabin · 4 bd · 4 ba · sleeps 12 · 0.4 mi

    Revenue $57,018ADR $790Occ ≈ 20%5★ (7)

    AirbnbBooking

  • 4 Bdrm! Pet Friendly!Fully Fenced Yard! Foosball!

    House · 4 bd · 3 ba · sleeps 10 · 0.4 mi

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

    Revenue $36,786ADR $354Occ ≈ 28%4.8★ (40)

    AirbnbVrbo

  • Charming Mountain Cabin Near

    Cabin · 4 bd · 3 ba · sleeps 9 · 0.4 mi

    Revenue $30,166ADR $200Occ ≈ 41%3.2★ (6)

    Airbnb

  • HOT TUB! Garage Parking! Slope Views! Game Table!

    House · 4 bd · 3 ba · sleeps 12 · 0.4 mi

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

    Revenue $44,622ADR $374Occ ≈ 33%4.5★ (152)

    AirbnbVrbo

  • 1 Mi to Slopes: Big Bear Lake 'Alpen Haus' w/ Spa

    Cabin · 4 bd · 3 ba · sleeps 11 · 0.5 mi

    • Hot tub
    • A/C
    • Wifi
    • Kitchen
    • +3

    Revenue $45,683ADR $491Occ ≈ 25%4.8★ (58)

    AirbnbVrboBooking

  • Cozy Bear Chateau -Beautiful Moonridge home nestled in the pines and birches

    Vacation home · 4 bd · 3 ba · sleeps 11 · 0.5 mi

    Revenue $88,215ADR $569Occ ≈ 42%—

    Booking

  • Game Room! Yard! Fireplaces! BBQ! Hot Tub!

    House · 4 bd · 3.5 ba · sleeps 12 · 0.5 mi

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

    Revenue $35,262ADR $518Occ ≈ 19%4.5★ (117)

    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 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

Est. revenue

$50,445

NOI

$19,240

Cash flow /mo

-$2,795

Cash needed

$255,000

Cash-on-cash

-13.2%

ROE (yr 1)

-1.8%

Cap rate

2.4%

DSCR

0.36

Year-1 write-off

$150,712

Year-1 tax shield @ 32%

$48,228

Year-1 return on equity

  • Cash flow (annual)-$33,540
  • Principal paydown$5,022
  • Appreciation at%$24,000
ROE-1.8%

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)$10,089
  • Platform fees (3% of revenue)$1,513
  • Maintenance / capex (5% of revenue)$2,522
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$10,000
  • Insurance (STR-rated)$4,080

Cash needed to close

  • Down payment (25%)$200,000
  • Closing costs (4.0%)$32,000
  • Furnishing (bought new)$23,000

Tax savings if the STR loophole applies

  • Tax shield @ 32%$48,228

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

$640,000

Short-life (5/15-yr)

$127,000 · 20%

Year-1 deduction

$151,000

Year-1 tax shield @ 32%

$48,000

Land 20% (county tax record, assessed value split) · building $513,000 over 39 years · new furniture $23,000

Based on: 2,086 sq ft, built 2015, 4 bd / 3.5 ba, unfurnished, listing features (deck, patio, fireplace, stone counters, appliance list).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $94,000 in year 1 (11% short-life, $30,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$91,100
  • Kitchen cabinetsdefault

    $10,400 new × 56% good × 2.16 allocation

    $12,500
  • Kitchen countertops (stone)listing

    $10,600 new × 56% good × 2.16 allocation

    $12,800
  • Decorative trimdefault

    $3,700 new × 56% good × 2.16 allocation

    $4,400
  • Mirrorsdefault

    $500 new × 40% good × 2.16 allocation

    $400
  • Shelvingdefault

    $1,500 new × 56% good × 2.16 allocation

    $1,800
  • Window coverings (21)default

    $5,300 new × 40% good × 2.16 allocation

    $4,500
  • Carpet, vinyl & laminate (40% of floors)default

    $5,400 new × 40% good × 2.16 allocation

    $4,600
  • Kitchen & laundry equipment plumbingdefault

    $8,100 new × 78% good × 2.16 allocation

    $13,600
  • Kitchen, laundry & data equipment electricaldefault

    $4,900 new × 78% good × 2.16 allocation

    $8,200
  • Appliances (range, microwave, dishwasher, disposal, refrigerator)listing

    $6,100 new × 40% good × 2.16 allocation

    $5,300
  • Furniture bought newlisting

    $23,000 new × 100% good · bought separately

    $23,000
15-year land improvements$59,000
  • Paving: driveway & walks (paved)default

    $9,500 new × 56% good × 2.16 allocation

    $11,400
  • Landscaping (typical)default

    $9,100 new × 56% good × 2.16 allocation

    $11,000
  • Patioslisting

    $9,400 new × 56% good × 2.16 allocation

    $11,300
  • Decks & porches (attached)listing

    $23,500 new × 50% good × 2.16 allocation

    $25,300
Building, 39-year$512,800
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $226,000 new × 82% good × 2.16 allocation

    $397,800
  • Building plumbing & fixturesdefault

    $23,500 new × 78% good × 2.16 allocation

    $39,500
  • Building electrical & lightingdefault

    $23,700 new × 78% good × 2.16 allocation

    $39,900
  • HVACdefault

    $23,500 new × 45% good × 2.16 allocation

    $22,800
  • Hardwood & tile floorsdefault

    $8,100 new × 56% good × 2.16 allocation

    $9,700
  • Fireplacelisting

    $2,600 new × 56% good × 2.16 allocation

    $3,200

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$91,100$59,000$500$150,700
2$0$0$13,100$13,100
3$0$0$13,100$13,100
4$0$0$13,100$13,100
5$0$0$13,100$13,100
6+$0$0$459,700$459,700
Total$91,100$59,000$512,800$663,000

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.