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Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium

253 Imperial Ave

253 Imperial Ave

Sugarloaf, CA 92386

$409,000

3 bd · 3 ba · Listed 64d ago

View on Realtor.com →
Low confidenceEst. land %Negative cash flow

Year built

2024

Sqft

—

Lot sqft

2,500

HOA / mo

None

Furnished

Yes

List date

2026-09-10T04:59:33.000000Z

Revenue

Annual revenue

$20,265

ADR

$273

Occupancy

20%

Cleaning fees (12 mo)

$3,818

Confidence

Low (39.81), 42 comps

Comp revenue range (p25 / median / p75)

$10,841$19,250$22,144

Median revenue of shown comps: $19,250

  • Bear’s Lair Cabin - Home away from Home!

    Cabin · 3 bd · 2 ba · sleeps 8 · 345 ft

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

    Revenue $33,421ADR $281Occ ≈ 33%5★ (99)

    AirbnbVrbo

  • Almost new charming Cabin With 3 bedrooms 3Bath

    Cabin · 3 bd · 3 ba · sleeps 8 · 433 ft

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

    Revenue $10,439ADR $299Occ ≈ 10%4.7★ (3)

    Airbnb

  • 3Bedroom 3Bathrooms 4beds

    Cabin · 3 bd · 3 ba · sleeps 8 · 466 ft

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

    Revenue $10,011ADR $282Occ ≈ 10%4.7★ (3)

    Airbnb

  • Mountain Escape - Minutes to Ski & Lake-EV Charger

    Cabin · 3 bd · 2 ba · sleeps 6 · 482 ft

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

    Revenue $7,402ADR $271Occ ≈ 7%4.8★ (66)

    AirbnbVrbo

  • Sugar Bear Chalet - Renovated Family Retreat at Big Bear

    Vacation home · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $22,354ADR $363Occ ≈ 17%—

    Booking

  • Sugar Bear Chalet #2559

    Vacation home · 3 bd · 2 ba · sleeps 8 · 0.1 mi

    Revenue $21,514ADR $323Occ ≈ 18%—

    Booking

  • Sugar Bear Modern Relaxing Family Retreat w/ Games

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

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

    Revenue $16,483ADR $418Occ ≈ 11%4.6★ (5)

    AirbnbVrbo

  • Pet-Friendly Big Bear Cabin w/Huge Fenced Yard

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

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

    Revenue $20,479ADR $267Occ ≈ 21%4.8★ (29)

    AirbnbVrbo

  • Cozy Cabin with beautiful porch close to town

    Cabin · 3 bd · 2 ba · sleeps 9 · 0.2 mi

    Revenue $17,375ADR $0Occ ≈ —4.9★ (73)

    Delisted

  • Big Bear Cabin Directly Across Forest Trails

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

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

    Revenue $7,327ADR $563Occ ≈ 4%5★ (7)

    AirbnbVrbo

Show 36 more
  • Cozy, Renovated Cabin Near Trails & Slopes

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

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $12,899ADR $256Occ ≈ 14%4.8★ (135)

    AirbnbVrbo

  • 7 Mi to Big Bear Mountain Resort: Winter Getaway!

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

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

    Revenue $25,655ADR $254Occ ≈ 28%4.8★ (19)

    AirbnbVrboBooking

  • Mountain Cabin-Spa-Fireplace-Walk to Forest!

    House · 3 bd · 2 ba · sleeps 9 · 0.2 mi

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

    Revenue $38,496ADR $582Occ ≈ 18%4.8★ (102)

    AirbnbVrbo

  • Charming & Pet Friendly Cabin w/ a Fenced in Yard

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

    Revenue $7,991ADR $1,224Occ ≈ 2%4.8★ (6)

    Delisted

  • 𓍊𝓣𝓱𝓮 𝓜𝓾𝓼𝓱𝓻𝓸𝓸𝓶 𝓒𝓸𝓽𝓽𝓪𝓰𝓮𓍊

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

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

    Revenue $3,057ADR $382Occ ≈ 2%4★ (4)

    AirbnbVrbo

  • Big Bear Gingerbread House

    House · 3 bd · 2 ba · sleeps 9 · 0.2 mi

    Revenue $29,382ADR $309Occ ≈ 26%5★ (27)

    AirbnbBooking

  • Cozy & Spacious Mountain Home Retreat

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

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

    Revenue $32,731ADR $217Occ ≈ 41%4.9★ (106)

    AirbnbVrbo

  • Cabin A Good Time with Jacuzzi!

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

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

    Revenue $13,666ADR $253Occ ≈ 15%4.8★ (33)

    AirbnbVrbo

  • Whiskey Pines Cabin

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

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

    Revenue $9,870ADR $270Occ ≈ 10%4.9★ (41)

    AirbnbVrbo

  • Sugar Pines Chalet! Hiking, skiiing & mtn biking!

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

    Revenue $2,379ADR $223Occ ≈ 3%5★ (77)

    Delisted

  • NEW Peak Pursuit Spa, Dogs Ok, Sauna, Lrg Game Rm

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.3 mi

    Revenue $46,307ADR $311Occ ≈ 41%0.5★ (1)

    Booking

  • 6 person cabin/Ac/games/wifi/BBQ/Deck/FirePit/hike

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $12,046ADR $365Occ ≈ 9%4.9★ (42)

    Airbnb

  • Last Minute Summer Getaway!BBQ,Games,FUN, AC, RELAX 15 min from Big Bear Lake

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $19,243ADR $421Occ ≈ 13%5★ (1)

    Vrbo

  • Spacious Gated Yard-EV Charger-Pets OK-3bed, 2bath

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

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

    Revenue $19,377ADR $380Occ ≈ 14%4.8★ (12)

    Airbnb

  • Family & Pet friendly. Jacuzzi & window AC unit.

    Cabin · 3 bd · 3.5 ba · sleeps 6 · 0.3 mi

    • Hot tub
    • Pool
    • A/C
    • Pets OK
    • +5

    Revenue $19,992ADR $242Occ ≈ 23%4.8★ (77)

    AirbnbVrbo

  • Boujee Bear Cabin

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

    Revenue $16,799ADR $0Occ ≈ —4.8★ (20)

    Delisted

  • Almost Bearadise

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

    Revenue $6,342ADR $885Occ ≈ 2%5★ (2)

    Delisted

  • Family Friendly for 8: Spa/Firepit/Patio + BBQ

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

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

    Revenue $16,070ADR $375Occ ≈ 12%5★ (8)

    Airbnb

  • Big Bear Cabin with Hot Tub and Arcade | Sleeps 9

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

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

    Revenue $21,267ADR $203Occ ≈ 29%4.8★ (33)

    AirbnbVrboBooking

  • Sage Cabin | Sleeps 8 | Hot Tub

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

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

    Revenue $874ADR $265Occ ≈ 1%5★ (2)

    Airbnb

  • Alpine Oasis | Luxury Cabin+Spa+Theater Room+A/C

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

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

    Revenue $26,749ADR $673Occ ≈ 11%5★ (20)

    AirbnbVrbo

  • Cabina Nera: Luxe 3BR Mountain Haven AC/Hot Tub

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

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

    Revenue $24,728ADR $383Occ ≈ 18%4.9★ (46)

    AirbnbVrbo

  • Summer Special - Hiking Trails, Park, Golf, Garage

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

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

    Revenue $3,382ADR $209Occ ≈ 4%5★ (7)

    Airbnb

  • Whiskey mountain lodge - 2028

    Vacation home · 3 bd · 2 ba · sleeps 7 · 0.4 mi

    Revenue $19,787ADR $439Occ ≈ 12%—

    Booking

  • Sugarloaf Vacation Rental ~ 7 Mi to Big Bear Lake!

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

    Revenue $12,045ADR $193Occ ≈ 17%2.5★ (1)

    Booking

  • Cozy Big Bear 3 bedrm Home w/Delux Master & Firepl

    House · 3 bd · 2 ba · sleeps 9 · 0.4 mi

    Revenue $19,102ADR $270Occ ≈ 19%4.6★ (40)

    Delisted

  • Whiskey Mountain Lodge at Big Bear w/ Hot Tub

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

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

    Revenue $20,929ADR $442Occ ≈ 13%4.5★ (20)

    AirbnbVrboBooking

  • Inyo Treehouse, Spa with views

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

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

    Revenue $16,055ADR $282Occ ≈ 16%5★ (10)

    Airbnb

  • Sugarloafing ~ Dog-friendly cabin with hot tub

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

    Revenue $47,794ADR $557Occ ≈ 24%—

    Airbnb

  • Family Cabin | Large Fenced Yard Retreat

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

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

    Revenue $19,560ADR $473Occ ≈ 11%3.8★ (4)

    AirbnbVrboBooking

  • Blissful Cozy Cabin - Perfect sledding hill at this location! Steps to the National Forest!

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

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

    Revenue $31,518ADR $424Occ ≈ 20%4.5★ (2)

    AirbnbVrbo

  • Sugarloaf 4 Seasons 3bed/2bath W/Spa-No Pets

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

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

    Revenue $19,902ADR $350Occ ≈ 16%4.9★ (8)

    Airbnb

  • Grandioso Pines

    Vacation home · 3 bd · 3 ba · sleeps 8 · 0.5 mi

    Revenue $3,586ADR $896Occ ≈ 1%—

    Booking

  • Cozy 2 BR cabin w/loft and arcade

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

    • Free parking
    • Pets OK
    • Wifi
    • Kitchen
    • +4

    Revenue $19,257ADR $154Occ ≈ 34%4.8★ (52)

    Airbnb

  • Palms to Pines-Mins to Activities- Palms to Pines

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

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

    Revenue $19,863ADR $344Occ ≈ 16%4.6★ (26)

    AirbnbVrboBooking

  • Palms to pines #1877

    Vacation home · 3 bd · 2 ba · sleeps 8 · 0.5 mi

    Revenue $46,331ADR $508Occ ≈ 25%5★ (1)

    Booking

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 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium

Est. revenue

$20,265

NOI

$3,806

Cash flow /mo

-$1,904

Cash needed

$118,610

Cash-on-cash

-19.3%

ROE (yr 1)

-6.7%

Cap rate

0.9%

DSCR

0.14

Year-1 write-off

$65,339

Year-1 tax shield @ 32%

$20,909

Year-1 return on equity

  • Cash flow (annual)-$22,846
  • Principal paydown$2,635
  • Appreciation at%$12,270
ROE-6.7%

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)$4,053
  • Platform fees (3% of revenue)$608
  • Maintenance / capex (5% of revenue)$1,013
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$5,113
  • Insurance (STR-rated)$2,086

Cash needed to close

  • Down payment (25%)$102,250
  • Closing costs (4.0%)$16,360
  • Furnishing (conveyed with the sale)$0

Tax savings if the STR loophole applies

  • Tax shield @ 32%$20,909

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

$289,000

Short-life (5/15-yr)

$65,000 · 22%

Year-1 deduction

$65,000

Year-1 tax shield @ 32%

$21,000

Land 30% (market default, no usable tax-record split) · building $224,000 over 39 years

Based on: ~1,900 sq ft (from beds), built 2024, 3 bd / 3 ba, furnished, listing features (none cost-relevant).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $46,000 in year 1 (16% short-life, $15,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$48,000
  • Kitchen cabinetsdefault

    $10,000 new × 92% good × 0.84 allocation

    $7,700
  • Kitchen countertopsdefault

    $8,200 new × 92% good × 0.84 allocation

    $6,300
  • Decorative trimdefault

    $3,300 new × 92% good × 0.84 allocation

    $2,600
  • Mirrorsdefault

    $500 new × 83% good × 0.84 allocation

    $300
  • Shelvingdefault

    $1,200 new × 92% good × 0.84 allocation

    $900
  • Window coverings (19)default

    $4,800 new × 80% good × 0.84 allocation

    $3,200
  • Carpet, vinyl & laminate (40% of floors)default

    $4,900 new × 83% good × 0.84 allocation

    $3,400
  • Kitchen & laundry equipment plumbingdefault

    $7,800 new × 96% good × 0.84 allocation

    $6,300
  • Kitchen, laundry & data equipment electricaldefault

    $4,700 new × 96% good × 0.84 allocation

    $3,800
  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 83% good × 0.84 allocation

    $5,700
  • Furniture conveyed with the sale (used)listing

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

    $7,800
15-year land improvements$16,600
  • Paving: driveway & walks (paved)listing

    $9,000 new × 92% good × 0.84 allocation

    $7,000
  • Landscaping (typical)default

    $8,700 new × 92% good × 0.84 allocation

    $6,700
  • Patiosdefault

    $1,900 new × 92% good × 0.84 allocation

    $1,500
  • Decks & porches (attached)default

    $1,900 new × 90% good × 0.84 allocation

    $1,400
Building, 39-year$224,000
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $206,000 new × 97% good × 0.84 allocation

    $167,600
  • Building plumbing & fixturesdefault

    $21,400 new × 96% good × 0.84 allocation

    $17,300
  • Building electrical & lightingdefault

    $21,400 new × 96% good × 0.84 allocation

    $17,300
  • HVACdefault

    $21,400 new × 90% good × 0.84 allocation

    $16,200
  • Hardwood & tile floorsdefault

    $7,300 new × 92% good × 0.84 allocation

    $5,700

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$48,000$16,600$700$65,300
2$0$0$5,700$5,700
3$0$0$5,700$5,700
4$0$0$5,700$5,700
5$0$0$5,700$5,700
6+$0$0$200,300$200,300
Total$48,000$16,600$224,000$288,600

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, 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.