Interesting questions and one we can help you with, as helping owners set up their Tahoe homes for vacation renting is one of our specialties. The % of what you can cover depends on many things, first of course being how much will you rent your home vs using it yourself? Also how you set the house up, such as features and goodies in the home (flat screen TVs, high end furnishings and decor, hi quality beddings, etc) count a lot. The location of the home is also a big factor, regarding it's proximity to ski areas and other recreation sites in Tahoe.
Helen and I specialize in helping you set up your home to maximize it's rental potential, we can advise you how to do it, what to do, which home will make a better vaca rental, etc. In answer to your question of what % can be covered, no one can really give you a hard answer on that, but we can show you how to do it the best you can. Give us a call: Helen is at 775-846-8711, I'm at 7750-846-8710.
David Sybert, Better Homes and Gardens Real Estate, Tahoe City