Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

200 Uphill Rd Unit 7C

Blue Ridge, GA 30513

$639,000

3 bd · 3 ba · 2,016 sqft · Listed 1d ago

View on Realtor.com →

Negative cash flow

Year built

2008

Sqft

2,016

Lot sqft

52,272

HOA / mo

Furnished

List date

2026-11-02T18:57:30.000000Z

Revenue

Annual revenue

$48,522

ADR

$261

Occupancy

51%

Cleaning fees (12 mo)

$11,516

Confidence

Low (41.33), 18 comps

Comp revenue range (p25 / median / p75)

$19,422$38,111$53,472

Median revenue of shown comps: $38,111

5 min to DWTN & Lake | MiniGolf, Arcades, Foosball
Cabin · 3 bd · 3 ba · sleeps 10 · 0.1 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +7
Revenue $78,627ADR $250Occ ≈ 86%5★ (420)
Airbnb Vrbo
American Dream - Cozy Charm with a Fireplace
Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +3
Revenue $35,621ADR $226Occ ≈ 43%4.7★ (69)
Airbnb Vrbo Booking
3 Mi to Dtwn: Blue Ridge Cabin w/ Hot Tub & Views
Cabin · 3 bd · 2 ba · sleeps 6 · 0.2 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +1
Revenue $56,614ADR $223Occ ≈ 70%4.6★ (50)
Airbnb Vrbo Booking
Lazy Bear Lodge! Minutes to Downtown Blue Ridge!
House · 3 bd · 2 ba · sleeps 6 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +3
Revenue $37,632ADR $263Occ ≈ 39%5★ (100)
Airbnb Vrbo
Cozy home close to the Marina, Lake and Downtown
Cottage · 3 bd · 2 ba · sleeps 6 · 0.5 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $18,385ADR $151Occ ≈ 33%5★ (62)
Airbnb Vrbo
Mtn Views • Hot Tub • Treehouse • 2 Mi Town • 7acr
Cabin · 3 bd · 3 ba · sleeps 10 · 0.5 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $80,460ADR $292Occ ≈ 75%5★ (119)
Airbnb Vrbo
Cozy Cabin in the Trees
Cabin · 3 bd · 2 ba · sleeps 6 · 0.5 mi
- A/C
- Wifi
- Kitchen
- Washer
- +1
Revenue $14,230ADR $254Occ ≈ 15%5★ (13)
Airbnb Vrbo
Blissful Hideaway | 3BR Cabin Rental in Blue Ridge
Cabin · 3 bd · 3.5 ba · sleeps 6 · 0.6 mi
Revenue $13,408ADR $293Occ ≈ 13%5★ (5)
Delisted
A Blue Ridge Mason Jar | Blue Ridge, GA
Cabin · 3 bd · 2 ba · sleeps 6 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $46,932ADR $335Occ ≈ 38%4.7★ (80)
Airbnb Vrbo
Stunning Sunset View! 3 Miles to downtown!Hot Tub!
Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +5
Revenue $49,513ADR $365Occ ≈ 37%4.8★ (122)
Airbnb Vrbo

Listing	Size	Revenue (12 mo)	ADR	Occ ≈	Rating	Distance	Links
5 min to DWTN & Lake \| MiniGolf, Arcades, Foosball Cabin Hot tub A/C Free parking Pets OK +7	3 bd · 3 ba · sleeps 10	$78,627	$250	86%	5★ (420)	0.1 mi	Airbnb Vrbo
American Dream - Cozy Charm with a Fireplace Cabin Hot tub A/C Free parking Wifi +3	3 bd · 2 ba · sleeps 6	$35,621	$226	43%	4.7★ (69)	0.2 mi	Airbnb Vrbo Booking
3 Mi to Dtwn: Blue Ridge Cabin w/ Hot Tub & Views Cabin Hot tub A/C Free parking Wifi +1	3 bd · 2 ba · sleeps 6	$56,614	$223	70%	4.6★ (50)	0.2 mi	Airbnb Vrbo Booking
Lazy Bear Lodge! Minutes to Downtown Blue Ridge! House Hot tub A/C Free parking Pets OK +3	3 bd · 2 ba · sleeps 6	$37,632	$263	39%	5★ (100)	0.3 mi	Airbnb Vrbo
Cozy home close to the Marina, Lake and Downtown Cottage A/C Free parking Pets OK Wifi +3	3 bd · 2 ba · sleeps 6	$18,385	$151	33%	5★ (62)	0.5 mi	Airbnb Vrbo
Mtn Views • Hot Tub • Treehouse • 2 Mi Town • 7acr Cabin Hot tub A/C Free parking Pets OK +6	3 bd · 3 ba · sleeps 10	$80,460	$292	75%	5★ (119)	0.5 mi	Airbnb Vrbo
Cozy Cabin in the Trees Cabin A/C Wifi Kitchen Washer +1	3 bd · 2 ba · sleeps 6	$14,230	$254	15%	5★ (13)	0.5 mi	Airbnb Vrbo
Blissful Hideaway \| 3BR Cabin Rental in Blue Ridge Cabin	3 bd · 3.5 ba · sleeps 6	$13,408	$293	13%	5★ (5)	0.6 mi	Delisted
A Blue Ridge Mason Jar \| Blue Ridge, GA Cabin Hot tub A/C Free parking Pets OK +6	3 bd · 2 ba · sleeps 6	$46,932	$335	38%	4.7★ (80)	0.6 mi	Airbnb Vrbo
Stunning Sunset View! 3 Miles to downtown!Hot Tub! Cabin Hot tub A/C Free parking Wifi +5	3 bd · 3.5 ba · sleeps 8	$49,513	$365	37%	4.8★ (122)	0.6 mi	Airbnb Vrbo

Show 8 more

A Bear's Eye View-Pets,Mtn View,Hot Tub, Game Room
Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $11,401ADR $338Occ ≈ 9%5★ (4)
Airbnb Vrbo
Big Views, Hot Tub & Fenced Yard—Bring Your Pack
Cabin · 3 bd · 3 ba · sleeps 10 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +7
Revenue $38,589ADR $382Occ ≈ 28%5★ (20)
Airbnb Vrbo Booking
Blue Ridge Cabin | Secret Red Room + Hot Tub
House · 3 bd · 2.5 ba · sleeps 6 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +2
Revenue $22,532ADR $582Occ ≈ 11%5★ (17)
Airbnb Vrbo
Dream Come True - Views, Hot Tub, Fire Pit
House · 3 bd · 3 ba · sleeps 8 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $73,868ADR $403Occ ≈ 50%5★ (37)
Airbnb Vrbo Booking
Fall Apple Picking! Modern home: hot tub/fireplace
House · 3 bd · 3 ba · sleeps 7 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $39,501ADR $262Occ ≈ 41%5★ (68)
Airbnb Vrbo
Secluded Cabin w/Hot Tub, Fireplace, Firepit, Grill, Hiking & King Bed
Cabin · 3 bd · 2 ba · sleeps 8 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $54,791ADR $279Occ ≈ 54%4.9★ (40)
Vrbo
*Specials•View•Dog Friendly•Heaven in the Mountain
Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $31,579ADR $190Occ ≈ 46%4.9★ (253)
Airbnb
Mtn views, fire pit, mins from downtown Blue Ridge
Cabin · 3 bd · 3 ba · sleeps 6 · 0.7 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +5
Revenue $6,236ADR $207Occ ≈ 8%5★ (3)
Airbnb Vrbo

Listing	Size	Revenue (12 mo)	ADR	Occ ≈	Rating	Distance	Links
A Bear's Eye View-Pets,Mtn View,Hot Tub, Game Room Cabin Hot tub A/C Free parking Pets OK +5	3 bd · 3.5 ba · sleeps 8	$11,401	$338	9%	5★ (4)	0.7 mi	Airbnb Vrbo
Big Views, Hot Tub & Fenced Yard—Bring Your Pack Cabin Hot tub A/C Free parking Pets OK +7	3 bd · 3 ba · sleeps 10	$38,589	$382	28%	5★ (20)	0.7 mi	Airbnb Vrbo Booking
Blue Ridge Cabin \| Secret Red Room + Hot Tub House Hot tub A/C Free parking Wifi +2	3 bd · 2.5 ba · sleeps 6	$22,532	$582	11%	5★ (17)	0.7 mi	Airbnb Vrbo
Dream Come True - Views, Hot Tub, Fire Pit House Hot tub A/C Free parking Pets OK +5	3 bd · 3 ba · sleeps 8	$73,868	$403	50%	5★ (37)	0.7 mi	Airbnb Vrbo Booking
Fall Apple Picking! Modern home: hot tub/fireplace House Hot tub A/C Free parking Pets OK +6	3 bd · 3 ba · sleeps 7	$39,501	$262	41%	5★ (68)	0.7 mi	Airbnb Vrbo
Secluded Cabin w/Hot Tub, Fireplace, Firepit, Grill, Hiking & King Bed Cabin Hot tub A/C Free parking Pets OK +5	3 bd · 2 ba · sleeps 8	$54,791	$279	54%	4.9★ (40)	0.7 mi	Vrbo
*Specials•View•Dog Friendly•Heaven in the Mountain Cabin Hot tub A/C Free parking Pets OK +5	3 bd · 2.5 ba · sleeps 6	$31,579	$190	46%	4.9★ (253)	0.7 mi	Airbnb
Mtn views, fire pit, mins from downtown Blue Ridge Cabin A/C Free parking Pets OK Wifi +5	3 bd · 3 ba · sleeps 6	$6,236	$207	8%	5★ (3)	0.7 mi	Airbnb Vrbo

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

Purchase priceDown payment %30-yr rate %Already furnishedTax bracketCount tax savings in returnsOnly if you can use the losses (STR loophole)

Rate 7.99% = 7.24% Freddie Mac 30-yr avg (Oct 29) + 0.75% investor premium

Est. revenue

$48,522

NOI

$22,392

Cash flow /mo

-$1,647

Cash needed

$210,810

Cash-on-cash

-9.4%

ROE (yr 1)

1.6%

Cap rate

3.5%

DSCR

0.53

Year-1 write-off

$145,216

Year-1 tax shield @ 32%

$46,469

Year-1 return on equity

Cash flow (annual)-$19,766
Principal paydown$4,011
Appreciation at%$19,170

ROE1.6%

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)$9,704
Platform fees (3% of revenue)$1,456
Maintenance / capex (5% of revenue)$2,426
Utilities & supplies$4,200
HOA$0
Property tax$1,538
Insurance (STR-rated)$6,805

Cash needed to close

Down payment (25%)$159,750
Closing costs (4.0%)$25,560
Furnishing (bought new)$25,500

Tax savings if the STR loophole applies

Tax shield @ 32%$46,469

Property tax, insurance rate and the land/building split come from this listing's county tax record; 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

$596,000

Short-life (5/15-yr)

$119,000 · 20%

Year-1 deduction

$145,000

Year-1 tax shield @ 32%

$46,000

Land 7% (county tax record, market value split) · building $477,000 over 39 years · new furniture $26,000

Based on: 2,016 sq ft, built 2008, 3 bd / 3 ba, unfurnished, listing features (deck, patio, game room, flooring types, appliance list, septic).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $96,000 in year 1 (12% short-life, $31,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$85,000

Kitchen cabinetsdefault
$10,200 new × 40% good × 2.39 allocation
$9,800
Kitchen countertopsdefault
$8,400 new × 40% good × 2.39 allocation
$8,000
Decorative trimdefault
$3,500 new × 40% good × 2.39 allocation
$3,400
Mirrorsdefault
$500 new × 40% good × 2.39 allocation
$400
Shelvingdefault
$1,200 new × 40% good × 2.39 allocation
$1,100
Window coverings (20)default
$5,000 new × 40% good × 2.39 allocation
$4,800
Carpet, vinyl & laminate (50% of floors)listing
$6,500 new × 40% good × 2.39 allocation
$6,200
Kitchen & laundry equipment plumbingdefault
$8,000 new × 64% good × 2.39 allocation
$12,100
Kitchen, laundry & data equipment electricaldefault
$4,800 new × 64% good × 2.39 allocation
$7,300
Appliances (range, microwave, refrigerator, washer, dryer)listing
$6,700 new × 40% good × 2.39 allocation
$6,400
Furniture bought newlisting
$19,500 new × 100% good · bought separately
$19,500
Game-room equipment bought newlisting
$6,000 new × 100% good · bought separately
$6,000

15-year land improvements$59,700

Paving: driveway & walks (paved)default
$9,300 new × 50% good × 2.39 allocation
$11,100
Landscaping (typical)default
$9,000 new × 50% good × 2.39 allocation
$10,700
Patioslisting
$9,100 new × 50% good × 2.39 allocation
$10,800
Decks & porches (attached)listing
$22,700 new × 50% good × 2.39 allocation
$27,100

Building, 39-year$476,900

Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$218,600 new × 70% good × 2.39 allocation
$365,200
Building plumbing & fixturesdefault
$22,700 new × 64% good × 2.39 allocation
$34,700
Building electrical & lightingdefault
$22,800 new × 64% good × 2.39 allocation
$34,900
HVACdefault
$22,700 new × 40% good × 2.39 allocation
$21,700
Hardwood & tile floorsdefault
$6,500 new × 40% good × 2.39 allocation
$6,200
Septic systemlisting
$12,000 new × 50% good × 2.39 allocation
$14,300

About the property

Sold furnishedGame roomHot tubPoolDeckDrivewayLandscapingFencedIrrigationLong-term rental (27.5-yr)Carpet / vinyl / laminate %Placed in serviceClosing costs $ (adds to basis)Land %Bonus depreciation %

Depreciation schedule: typical cost seg study

Year	5-yr	15-yr	Building	Total
1	$85,000	$59,700	$500	$145,200
2	$0	$0	$12,200	$12,200
3	$0	$0	$12,200	$12,200
4	$0	$0	$12,200	$12,200
5	$0	$0	$12,200	$12,200
6+	$0	$0	$427,500	$427,500
Total	$85,000	$59,700	$476,900	$621,600

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

Fannin and Gilmer counties require STR registration and lodging tax; no cap found. Blue Ridge and Ellijay city limits have their own rules; most cabins are in unincorporated county.