35 Finch Ln
Blue Ridge, GA 30513
$349,000
2 bd · 1 ba · Listed 2d ago
View on Realtor.com →Year built
1988
Sqft
—
Lot sqft
36,590
HOA / mo
$0
Furnished
No
List date
2026-09-25T16:31:33.000000Z
Revenue
Annual revenue
$35,972
ADR
$185
Occupancy
53%
Cleaning fees (12 mo)
$7,419
Confidence
Low (46.13), 50 comps
Comp revenue range (p25 / median / p75)
Little Creek Cabin | Creekside Hot Tub + Firepit
Cabin · 2 bd · 1.5 ba · sleeps 4 · 292 ft
Revenue $1,771ADR $161Occ ≈ 3%5★ (3)
Romantic Creekside Cabin · Hot Tub + Fire Pit
Cabin · 2 bd · 2 ba · sleeps 4 · 466 ft
Revenue $48,497ADR $203Occ ≈ 65%5★ (289)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Creekfront Cabin •Firepit •Hiking • Pet Friendly Cabin | 2 bd · 1 ba · sleeps 6 | $5,505 | $283 | 5% | 5★ (3) | 194 ft | AirbnbVrboBooking |
Little Creek Cabin | Creekside Hot Tub + Firepit Cabin | 2 bd · 1.5 ba · sleeps 4 | $1,771 | $161 | 3% | 5★ (3) | 292 ft | Airbnb |
Fall escape | mtn view | game table | dogs ok Cabin | 2 bd · 1 ba · sleeps 4 | $49,835 | $203 | 67% | 5★ (225) | 417 ft | AirbnbVrbo |
15% Off Summer Sale—Discount Already Applied! Cabin | 2 bd · 1 ba · sleeps 4 | $30,636 | $145 | 58% | 4.8★ (18) | 443 ft | AirbnbBooking |
Romantic Creekside Cabin · Hot Tub + Fire Pit Cabin | 2 bd · 2 ba · sleeps 4 | $48,497 | $203 | 65% | 5★ (289) | 466 ft | Airbnb |
Fox Haven | Free Night Offer! Cabin | 2 bd · 1 ba · sleeps 6 | $12,100 | $198 | 17% | 5★ (95) | 518 ft | AirbnbVrbo |
Cozy Cabin with Breathtaking Views House | 2 bd · 1 ba · sleeps 6 | $12,799 | $153 | 23% | 4.8★ (79) | 0.1 mi | AirbnbVrbo |
Trailside Creek Cabin | Hot Tub & Dog Yard Cabin | 2 bd · 1 ba · sleeps 4 | $34,078 | $201 | 46% | 5★ (32) | 0.2 mi | AirbnbVrbo |
Creekside Log Cabin w/ Hot Tub, Fire Pit Cabin | 2 bd · 1 ba · sleeps 4 | $31,876 | $177 | 49% | 4.8★ (237) | 0.2 mi | AirbnbVrbo |
Cozy Hollow: Hot tub, fireplace, romantic getaway Cabin | 2 bd · 1 ba · sleeps 4 | $24,598 | $182 | 37% | 4.9★ (287) | 0.2 mi | AirbnbVrbo |
Show all 50 comps
Cozy 2BR cabin 12 min from downtown Blue Ridge
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $5,388ADR $150Occ ≈ 10%4.9★ (10)
Secluded Views | Hot Tub · Fire Pit · 10 Min Town
Cabin · 2 bd · 2 ba · sleeps 4 · 0.2 mi
Revenue $44,192ADR $211Occ ≈ 57%5★ (41)
Moonbeam Falls - Waterfall, Hot Tub, Dog Friendly
Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $4,038ADR $187Occ ≈ 6%—
Misty Ridge - Mtn Views, Fire Pit - Minimum Age
Cabin · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $30,013ADR $208Occ ≈ 40%4.7★ (11)
BLACK BEARS CROSSING: PET FRIENDLY, COZY CABIN WITH HOT TUB IN BLUE RIDGE, GA
Cabin · 2 bd · 2 ba · sleeps 4 · 0.3 mi
Revenue $32,801ADR $274Occ ≈ 33%5★ (11)
Mountainview Hideaway Blue Ridge GA Fishin & Hikin
Cabin · 2 bd · 2 ba · sleeps 7 · 0.3 mi
Revenue $45,791ADR $179Occ ≈ 70%5★ (586)
*LONG RANGE VIEWS!*Hot Tub+Screen Porch+Firepit
Cabin · 2 bd · 1.5 ba · sleeps 5 · 0.3 mi
Revenue $42,781ADR $223Occ ≈ 53%4.9★ (165)
Mountain Lake Hideaway
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $11,371ADR $257Occ ≈ 12%4.5★ (2)
Peaceful Cabin near Blue Ridge and Elijay
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $2,715ADR $168Occ ≈ 4%5★ (3)
The best little a-frame in Blue Ridge, Outpost 171
Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi
Revenue $27,071ADR $318Occ ≈ 23%5★ (173)
Blue Ridge Cabin | Mtn Views, Cozy Vibes & Trails
Cabin · 2 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $52,796ADR $186Occ ≈ 78%5★ (72)
Mtn Views | Hot Tub | Covered Patio | Hiking
Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi
Revenue $32,297ADR $216Occ ≈ 41%5★ (80)
Forest view cabin with private hot tub, furnished deck, fireplace, and grill
Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi
Revenue $12,304ADR $182Occ ≈ 19%4.2★ (50)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Time Away - Private cabin, yet close to Blue Ridge Cabin | 2 bd · 1 ba · sleeps 6 | $35,591 | $179 | 54% | 4.8★ (161) | 0.2 mi | AirbnbVrbo |
Woodland 2BR | Hot Tub | Fireplace | Dog-Friendly House | 2 bd · 1 ba · sleeps 4 | $27,961 | $189 | 41% | 4.7★ (59) | 0.2 mi | AirbnbVrboBooking |
High Country Hideaway | Cherry Log, GA Cabin | 2 bd · 2 ba · sleeps 4 | $41,871 | $358 | 32% | 4.8★ (14) | 0.2 mi | AirbnbVrbo |
Black Bear Bungalow with Waterfall Pond Cabin | 2 bd · 2 ba · sleeps 4 | $18,803 | $175 | 29% | 5★ (27) | 0.2 mi | AirbnbVrbo |
Cozy 2BR cabin 12 min from downtown Blue Ridge Cabin | 2 bd · 1 ba · sleeps 6 | $5,388 | $150 | 10% | 4.9★ (10) | 0.2 mi | Airbnb |
Cozy Secluded Cabin: Hot Tub, Fireplace & Firepit Cabin | 2 bd · 1 ba · sleeps 4 | $5,138 | $156 | 9% | 5★ (5) | 0.2 mi | AirbnbVrbo |
Secluded Views | Hot Tub · Fire Pit · 10 Min Town Cabin | 2 bd · 2 ba · sleeps 4 | $44,192 | $211 | 57% | 5★ (41) | 0.2 mi | Airbnb |
Log Cabin Retreat, Beautiful Views, trail @ house Cabin | 2 bd · 1 ba · sleeps 4 | $54,387 | $201 | 74% | 5★ (288) | 0.2 mi | AirbnbVrboBooking |
Rosiey Cabin - Starlit Dips, Sips & Story Swaps House | 2 bd · 2 ba · sleeps 6 | $56,269 | $249 | 62% | 5★ (3) | 0.2 mi | AirbnbVrbo |
Blue Ridge romantic mountain cabin with hot tub Cabin | 2 bd · 1 ba · sleeps 3 | $19,473 | $246 | 22% | 5★ (92) | 0.3 mi | AirbnbVrbo |
Moonbeam Falls - Waterfall, Hot Tub, Dog Friendly Cabin | 2 bd · 2 ba · sleeps 6 | $4,038 | $187 | 6% | — | 0.3 mi | Airbnb |
Misty Ridge - Mtn Views, Fire Pit - Minimum Age Cabin | 2 bd · 2 ba · sleeps 4 | $30,013 | $208 | 40% | 4.7★ (11) | 0.3 mi | Airbnb |
Misty Ridge | True Log Cabin Blue Ridge & Ellijay Cabin | 2 bd · 2 ba · sleeps 4 | $48,069 | $250 | 53% | 5★ (76) | 0.3 mi | AirbnbVrbo |
Blue Ridge, Private Dock, Hot Tub, Lakeside Cabin | 2 bd · 1 ba · sleeps 4 | $27,831 | $210 | 36% | 4.8★ (123) | 0.3 mi | AirbnbVrbo |
2 Queen Suites, Trail Access, Mtn View, Fire Table Cabin | 2 bd · 2 ba · sleeps 4 | $37,703 | $158 | 65% | 5★ (184) | 0.3 mi | AirbnbVrboBooking |
Mountain View / Dog-friendly / Cozy Cabin Retreat Cabin | 2 bd · 2 ba · sleeps 5 | $40,260 | $167 | 66% | 5★ (179) | 0.3 mi | AirbnbVrbo |
Blue Ridge Bliss: Peaceful Retreat w/ Deck Cabin | 2 bd · 2 ba · sleeps 6 | $2,211 | $162 | 4% | 2★ (1) | 0.3 mi | AirbnbVrboBooking |
The Cozy Acorn Cabin STR license 004920 Cabin | 2 bd · 1.5 ba · sleeps 5 | $34,624 | $207 | 46% | 5★ (48) | 0.3 mi | AirbnbVrbo |
Red, White, and Blue Ridge Retreat Cabin | 2 bd · 1 ba · sleeps 4 | $69,573 | $211 | 90% | 5★ (172) | 0.3 mi | AirbnbVrbo |
BLACK BEARS CROSSING: PET FRIENDLY, COZY CABIN WITH HOT TUB IN BLUE RIDGE, GA Cabin | 2 bd · 2 ba · sleeps 4 | $32,801 | $274 | 33% | 5★ (11) | 0.3 mi | Vrbo |
Secluded Blue Ridge Cabin: Walk to Trails! Cabin | 2 bd · 2 ba · sleeps 6 | $33,586 | $189 | 49% | 5★ (166) | 0.3 mi | AirbnbVrboBooking |
Serendipity - Cherry Log, GA Cabin | 2 bd · 1 ba · sleeps 6 | $31,765 | $219 | 40% | 4.8★ (74) | 0.3 mi | AirbnbVrboBooking |
Mountainview Hideaway Blue Ridge GA Fishin & Hikin Cabin | 2 bd · 2 ba · sleeps 7 | $45,791 | $179 | 70% | 5★ (586) | 0.3 mi | Airbnb |
NEW Clover Ridge~Hot Tub + Outdoor TV + Secluded Cabin | 2 bd · 1 ba · sleeps 4 | $18,742 | $193 | 27% | 5★ (26) | 0.3 mi | AirbnbVrboBooking |
*LONG RANGE VIEWS!*Hot Tub+Screen Porch+Firepit Cabin | 2 bd · 1.5 ba · sleeps 5 | $42,781 | $223 | 53% | 4.9★ (165) | 0.3 mi | Airbnb |
Cherry Acre Getaway - Private Hot Tub, Lakeside Fi Cabin | 2 bd · 2 ba · sleeps 6 | $30,470 | $204 | 41% | 4.7★ (227) | 0.3 mi | AirbnbVrboBooking |
Blue Ridge Cabin- Hot Tub/Fire Pit/Free firewood Cabin | 2 bd · 1 ba · sleeps 5 | $41,343 | $211 | 54% | 5★ (154) | 0.3 mi | AirbnbVrbo |
Mountain Lake Hideaway Vacation home | 2 bd · 1 ba · sleeps 4 | $11,371 | $257 | 12% | 4.5★ (2) | 0.3 mi | Booking |
Cold Plunge & Sauna! Rejuvenation Retreat|Hot tub Cabin | 2 bd · 2 ba · sleeps 4 | $51,366 | $265 | 53% | 5★ (77) | 0.3 mi | AirbnbVrbo |
Peaceful Cabin near Blue Ridge and Elijay Cabin | 2 bd · 1 ba · sleeps 4 | $2,715 | $168 | 4% | 5★ (3) | 0.3 mi | Airbnb |
The Treehouse Retreat | Hot Tub & Fireplace Cabin | 2 bd · 1 ba · sleeps 4 | $32,534 | $167 | 53% | 4.9★ (91) | 0.3 mi | AirbnbVrbo |
The best little a-frame in Blue Ridge, Outpost 171 Cabin | 2 bd · 1 ba · sleeps 4 | $27,071 | $318 | 23% | 5★ (173) | 0.4 mi | Airbnb |
Trail Side Retreat - Blue Ridge, GA Cabin | 2 bd · 1.5 ba · sleeps 4 | $31,626 | $179 | 48% | 4.8★ (12) | 0.4 mi | AirbnbVrboBooking |
Cherry Log Sky Bear | Cherry Log, GA Cabin | 2 bd · 2 ba · sleeps 4 | $52,556 | $287 | 50% | 4.7★ (27) | 0.4 mi | AirbnbVrbo |
Blue Ridge Cabin | Mtn Views, Cozy Vibes & Trails Cabin | 2 bd · 2 ba · sleeps 6 | $52,796 | $186 | 78% | 5★ (72) | 0.4 mi | Airbnb |
Mountain Views Fire Pit True Log Cabin Hibernation Cabin | 2 bd · 2 ba · sleeps 6 | $41,898 | $239 | 48% | 5★ (112) | 0.4 mi | AirbnbVrboBooking |
Mtn Views | Hot Tub | Covered Patio | Hiking Cabin | 2 bd · 1 ba · sleeps 4 | $32,297 | $216 | 41% | 5★ (80) | 0.4 mi | Airbnb |
Graceful Light is perfect for couples, hot tub Cabin | 2 bd · 1 ba · sleeps 4 | $18,904 | $226 | 23% | 4.8★ (61) | 0.4 mi | AirbnbVrboBooking |
Timber Nest Cabin | 2 bd · 1 ba · sleeps 4 | $49,528 | $193 | 70% | 5★ (419) | 0.4 mi | AirbnbVrbo |
Forest view cabin with private hot tub, furnished deck, fireplace, and grill Cabin | 2 bd · 1 ba · sleeps 4 | $12,304 | $182 | 19% | 4.2★ (50) | 0.4 mi | 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
Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$35,972
NOI
$16,486
Cash flow /mo
-$507
Cash needed
$117,210
Cash-on-cash
-5.2%
ROE (yr 1)
5.7%
Cap rate
4.7%
DSCR
0.73
Year-1 write-off
$92,520
Year-1 tax shield @ 32%
$29,606
Year-1 return on equity
- Cash flow (annual)-$6,082
- Principal paydown$2,284
- Appreciation at%$10,470
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,194
- Platform fees (3% of revenue)$1,079
- Maintenance / capex (5% of revenue)$1,799
- Utilities & supplies$4,200
- HOA$0
- Property tax$1,445
- Insurance (STR-rated)$3,769
Cash needed to close
- Down payment (25%)$87,250
- Closing costs (4.0%)$13,960
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$29,606
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
$273,000
Short-life (5/15-yr)
$76,000 · 28%
Year-1 deduction
$93,000
Year-1 tax shield @ 32%
$30,000
Land 22% (county tax record, market value split) · building $197,000 over 39 years · new furniture $16,000
Based on: ~1,400 sq ft (from beds), built 1988, 2 bd / 1 ba, unfurnished, listing features (hot tub, deck, fireplace, stone counters, flooring types, appliance list, septic, wooded lot).
IRS-guide safe-harbor floor: $57,000 in year 1 (15% short-life, $18,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $7,800
Kitchen cabinetsdefault
$8,900 new × 40% good × 2.19 allocation
- $7,900
Kitchen countertops (stone)listing
$9,100 new × 40% good × 2.19 allocation
- $2,100
Decorative trimdefault
$2,500 new × 40% good × 2.19 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 2.19 allocation
- $800
Shelvingdefault
$900 new × 40% good × 2.19 allocation
- $3,100
Window coverings (14)default
$3,500 new × 40% good × 2.19 allocation
- $6,000
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 2.19 allocation
- $3,700
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 2.19 allocation
- $5,200
Appliances (microwave, dishwasher, refrigerator, washer, dryer)listing
$5,900 new × 40% good × 2.19 allocation
- $7,900
Hot tub (freestanding)listing
$9,000 new × 40% good × 2.19 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $8,500
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 2.19 allocation
- $4,100
Landscaping (minimal)listing
$3,700 new × 50% good × 2.19 allocation
- $1,500
Patiosdefault
$1,400 new × 50% good × 2.19 allocation
- $17,200
Decks & porches (attached)listing
$15,800 new × 50% good × 2.19 allocation
- $133,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 40% good × 2.19 allocation
- $13,800
Building plumbing & fixturesdefault
$15,700 new × 40% good × 2.19 allocation
- $13,100
Building electrical & lightingdefault
$15,000 new × 40% good × 2.19 allocation
- $13,800
HVACdefault
$15,800 new × 40% good × 2.19 allocation
- $7,900
Hardwood & tile floorsdefault
$9,000 new × 40% good × 2.19 allocation
- $2,300
Fireplacelisting
$2,600 new × 40% good × 2.19 allocation
- $13,100
Septic systemlisting
$12,000 new × 50% good × 2.19 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $60,600 | $31,300 | $600 | $92,500 |
| 2 | $0 | $0 | $5,100 | $5,100 |
| 3 | $0 | $0 | $5,100 | $5,100 |
| 4 | $0 | $0 | $5,100 | $5,100 |
| 5 | $0 | $0 | $5,100 | $5,100 |
| 6+ | $0 | $0 | $176,200 | $176,200 |
| Total | $60,600 | $31,300 | $197,000 | $288,900 |
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: Georgia disallows 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.