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Big Bear Lake, California
Your Big Bear home base starts here--Lazy Bear Chalet pairs classic mountain character with a sought-after Moonridge location. Set on a quiet, tree-lined street just minutes from ski resorts, the Moonridge corridor, Alpine Zoo, and golf course, this established short-term rental features an open floor plan, vaulted ceilings, abundant natural light, and a floor-to-ceiling brick fireplace. The main level includes a spacious bedroom, full bath, and dedicated laundry room, with a second bedroom and versatile loft upstairs. Recent upgrades and stylish furnishings enhance the interior, while inviting deck space and a private hot tub offer a place to relax among the trees. Ample parking, year-round access, and a strong rental history with excellent guest reviews offer the flexibility to enjoy your own mountain escape and welcome vacation guests.
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Based on the household income you entered, you fall under the USDA Rural Housing Loan cap. This is a government-backed program that allows zero down payment on eligible mountain properties — lower mortgage insurance than FHA and more flexible credit than conventional.
It’s not widely advertised, but most homes in our mountain communities qualify.