take a moment
Big Bear Lake, California
Great potential for the savvy investor or someone simply looking for a mountain retreat with versatile options. This home sits on a large 13,720 sqft lot, giving you plenty of parking for all the guests you wish to invite. Out front you'll be greeted by an enclosed sun room which leads you into a large living area with a fireplace and adjacent dining room. The kitchen features a wolf range, plenty of cabinet space for storage and built in refrigerator. There is 1 bathrom and laundry room downstairs for convinience. Upstairs is a versatile living space. The primary suite is HUGE with it's own fireplace, retreat area and private balcony. Adjacent to this room is the 2nd bedroom. Across the hall you'll find the 3rd bedroom, a bonus room that can easily function as a 4th bedroom, shared bathroom, and a large loft with kitchenette which can also be accessed by an exterior stairway. This set up can allow you to hack this home into 2 living quarters!! You can have a 2bed/1bath separate from the rest of the house. There is a 3 car garage with ev charger and paid off solar panels too! This is great for long or short term rental potential. Just a short distance from ski resorts and the lake.
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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.