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Big Bear Lake, California
With it's private setting, recent updates and partially level lot in desirable Blue Jay, 385 Birchwood Drive is the kind of classic cool Arrowhead cabin that makes mountain life approachable. Remodeled in 2021 with a new kitchen, bathrooms, flooring, decks, HVAC and more, this 3-bedroom, 2-bath A-frame feels fresh without losing its mountain character. Central A/C keeps Summer easy, while the generous lot offers room to spread out, entertain, garden, or just sit under the trees and disappear for a while. Down below, a large unfinished buildup adds laundry, storage and the kind of practical space every mountain house needs. The property includes Lake Arrowhead lake rights, boasts an established short-term rental history, and an active STR permit. Furnishings are negotiable, with the option to purchase it turnkey and keep it operating as an STR from day one. Close to Blue Jay Village and the lake, but private enough to feel tucked away, this is an easy California cabin with good bones, useful land, and plenty of flexibility, a short drive from Los Angeles.
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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.