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35 Finch Ln

35 Finch Ln

Blue Ridge, GA 30513

$349,000

2 bd · 1 ba · Listed 2d ago

View on Realtor.com →
Rental history

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)

$18,828$32,087$42,560

  • Creekfront Cabin •Firepit •Hiking • Pet Friendly

    Cabin · 2 bd · 1 ba · sleeps 6 · 194 ft

    Revenue $5,505ADR $283Occ ≈ 5%5★ (3)

    AirbnbVrboBooking

  • Little Creek Cabin | Creekside Hot Tub + Firepit

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 292 ft

    Revenue $1,771ADR $161Occ ≈ 3%5★ (3)

    Airbnb

  • Fall escape | mtn view | game table | dogs ok

    Cabin · 2 bd · 1 ba · sleeps 4 · 417 ft

    Revenue $49,835ADR $203Occ ≈ 67%5★ (225)

    AirbnbVrbo

  • 15% Off Summer Sale—Discount Already Applied!

    Cabin · 2 bd · 1 ba · sleeps 4 · 443 ft

    Revenue $30,636ADR $145Occ ≈ 58%4.8★ (18)

    AirbnbBooking

  • Romantic Creekside Cabin · Hot Tub + Fire Pit

    Cabin · 2 bd · 2 ba · sleeps 4 · 466 ft

    Revenue $48,497ADR $203Occ ≈ 65%5★ (289)

    Airbnb

  • Fox Haven | Free Night Offer!

    Cabin · 2 bd · 1 ba · sleeps 6 · 518 ft

    Revenue $12,100ADR $198Occ ≈ 17%5★ (95)

    AirbnbVrbo

  • Cozy Cabin with Breathtaking Views

    House · 2 bd · 1 ba · sleeps 6 · 0.1 mi

    Revenue $12,799ADR $153Occ ≈ 23%4.8★ (79)

    AirbnbVrbo

  • Trailside Creek Cabin | Hot Tub & Dog Yard

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $34,078ADR $201Occ ≈ 46%5★ (32)

    AirbnbVrbo

  • Creekside Log Cabin w/ Hot Tub, Fire Pit

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $31,876ADR $177Occ ≈ 49%4.8★ (237)

    AirbnbVrbo

  • Cozy Hollow: Hot tub, fireplace, romantic getaway

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $24,598ADR $182Occ ≈ 37%4.9★ (287)

    AirbnbVrbo

Show all 50 comps

  • Time Away - Private cabin, yet close to Blue Ridge

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi

    Revenue $35,591ADR $179Occ ≈ 54%4.8★ (161)

    AirbnbVrbo

  • Woodland 2BR | Hot Tub | Fireplace | Dog-Friendly

    House · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $27,961ADR $189Occ ≈ 41%4.7★ (59)

    AirbnbVrboBooking

  • High Country Hideaway | Cherry Log, GA

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.2 mi

    Revenue $41,871ADR $358Occ ≈ 32%4.8★ (14)

    AirbnbVrbo

  • Black Bear Bungalow with Waterfall Pond

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.2 mi

    Revenue $18,803ADR $175Occ ≈ 29%5★ (27)

    AirbnbVrbo

  • 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)

    Airbnb

  • Cozy Secluded Cabin: Hot Tub, Fireplace & Firepit

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $5,138ADR $156Occ ≈ 9%5★ (5)

    AirbnbVrbo

  • 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)

    Airbnb

  • Log Cabin Retreat, Beautiful Views, trail @ house

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi

    Revenue $54,387ADR $201Occ ≈ 74%5★ (288)

    AirbnbVrboBooking

  • Rosiey Cabin - Starlit Dips, Sips & Story Swaps

    House · 2 bd · 2 ba · sleeps 6 · 0.2 mi

    Revenue $56,269ADR $249Occ ≈ 62%5★ (3)

    AirbnbVrbo

  • Blue Ridge romantic mountain cabin with hot tub

    Cabin · 2 bd · 1 ba · sleeps 3 · 0.3 mi

    Revenue $19,473ADR $246Occ ≈ 22%5★ (92)

    AirbnbVrbo

  • Moonbeam Falls - Waterfall, Hot Tub, Dog Friendly

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $4,038ADR $187Occ ≈ 6%—

    Airbnb

  • 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)

    Airbnb

  • Misty Ridge | True Log Cabin Blue Ridge & Ellijay

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.3 mi

    Revenue $48,069ADR $250Occ ≈ 53%5★ (76)

    AirbnbVrbo

  • Blue Ridge, Private Dock, Hot Tub, Lakeside

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $27,831ADR $210Occ ≈ 36%4.8★ (123)

    AirbnbVrbo

  • 2 Queen Suites, Trail Access, Mtn View, Fire Table

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.3 mi

    Revenue $37,703ADR $158Occ ≈ 65%5★ (184)

    AirbnbVrboBooking

  • Mountain View / Dog-friendly / Cozy Cabin Retreat

    Cabin · 2 bd · 2 ba · sleeps 5 · 0.3 mi

    Revenue $40,260ADR $167Occ ≈ 66%5★ (179)

    AirbnbVrbo

  • Blue Ridge Bliss: Peaceful Retreat w/ Deck

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $2,211ADR $162Occ ≈ 4%2★ (1)

    AirbnbVrboBooking

  • The Cozy Acorn Cabin STR license 004920

    Cabin · 2 bd · 1.5 ba · sleeps 5 · 0.3 mi

    Revenue $34,624ADR $207Occ ≈ 46%5★ (48)

    AirbnbVrbo

  • Red, White, and Blue Ridge Retreat

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $69,573ADR $211Occ ≈ 90%5★ (172)

    AirbnbVrbo

  • 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)

    Vrbo

  • Secluded Blue Ridge Cabin: Walk to Trails!

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $33,586ADR $189Occ ≈ 49%5★ (166)

    AirbnbVrboBooking

  • Serendipity - Cherry Log, GA

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi

    Revenue $31,765ADR $219Occ ≈ 40%4.8★ (74)

    AirbnbVrboBooking

  • Mountainview Hideaway Blue Ridge GA Fishin & Hikin

    Cabin · 2 bd · 2 ba · sleeps 7 · 0.3 mi

    Revenue $45,791ADR $179Occ ≈ 70%5★ (586)

    Airbnb

  • NEW Clover Ridge~Hot Tub + Outdoor TV + Secluded

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $18,742ADR $193Occ ≈ 27%5★ (26)

    AirbnbVrboBooking

  • *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)

    Airbnb

  • Cherry Acre Getaway - Private Hot Tub, Lakeside Fi

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi

    Revenue $30,470ADR $204Occ ≈ 41%4.7★ (227)

    AirbnbVrboBooking

  • Blue Ridge Cabin- Hot Tub/Fire Pit/Free firewood

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.3 mi

    Revenue $41,343ADR $211Occ ≈ 54%5★ (154)

    AirbnbVrbo

  • Mountain Lake Hideaway

    Vacation home · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $11,371ADR $257Occ ≈ 12%4.5★ (2)

    Booking

  • Cold Plunge & Sauna! Rejuvenation Retreat|Hot tub

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.3 mi

    Revenue $51,366ADR $265Occ ≈ 53%5★ (77)

    AirbnbVrbo

  • Peaceful Cabin near Blue Ridge and Elijay

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $2,715ADR $168Occ ≈ 4%5★ (3)

    Airbnb

  • The Treehouse Retreat | Hot Tub & Fireplace

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi

    Revenue $32,534ADR $167Occ ≈ 53%4.9★ (91)

    AirbnbVrbo

  • 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)

    Airbnb

  • Trail Side Retreat - Blue Ridge, GA

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.4 mi

    Revenue $31,626ADR $179Occ ≈ 48%4.8★ (12)

    AirbnbVrboBooking

  • Cherry Log Sky Bear | Cherry Log, GA

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.4 mi

    Revenue $52,556ADR $287Occ ≈ 50%4.7★ (27)

    AirbnbVrbo

  • 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)

    Airbnb

  • Mountain Views Fire Pit True Log Cabin Hibernation

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.4 mi

    Revenue $41,898ADR $239Occ ≈ 48%5★ (112)

    AirbnbVrboBooking

  • Mtn Views | Hot Tub | Covered Patio | Hiking

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi

    Revenue $32,297ADR $216Occ ≈ 41%5★ (80)

    Airbnb

  • Graceful Light is perfect for couples, hot tub

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi

    Revenue $18,904ADR $226Occ ≈ 23%4.8★ (61)

    AirbnbVrboBooking

  • Timber Nest

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi

    Revenue $49,528ADR $193Occ ≈ 70%5★ (419)

    AirbnbVrbo

  • 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)

    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

Est. revenue

$35,972

NOI

$16,486

Cash flow /mo

$1,374

Cash needed

$378,960

Cash-on-cash (all cash)

4.4%

ROE (yr 1)

7.1%

Cap rate

4.7%

DSCR

—

Year-1 write-off

$92,520

Year-1 tax shield @ 32%

$29,606

Year-1 return on equity

  • Cash flow (annual)$16,486
  • Principal paydown (n/a, cash)$0
  • Appreciation at%$10,470
ROE7.1%
ROE incl. year-1 tax savings (32% bracket, STR loophole)14.9%
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

  • Purchase price (all cash)$349,000
  • 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.

5-year property$60,600

  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 2.19 allocation

    $7,800

  • Kitchen countertops (stone)listing

    $9,100 new × 40% good × 2.19 allocation

    $7,900

  • Decorative trimdefault

    $2,500 new × 40% good × 2.19 allocation

    $2,100

  • Mirrorsdefault

    $200 new × 40% good × 2.19 allocation

    $100

  • Shelvingdefault

    $900 new × 40% good × 2.19 allocation

    $800

  • Window coverings (14)default

    $3,500 new × 40% good × 2.19 allocation

    $3,100

  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 2.19 allocation

    $6,000

  • Kitchen, laundry & data equipment electricaldefault

    $4,200 new × 40% good × 2.19 allocation

    $3,700

  • Appliances (microwave, dishwasher, refrigerator, washer, dryer)listing

    $5,900 new × 40% good × 2.19 allocation

    $5,200

  • Hot tub (freestanding)listing

    $9,000 new × 40% good × 2.19 allocation

    $7,900

  • Furniture bought newlisting

    $16,000 new × 100% good · bought separately

    $16,000
15-year land improvements$31,300

  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 2.19 allocation

    $8,500

  • Landscaping (minimal)listing

    $3,700 new × 50% good × 2.19 allocation

    $4,100

  • Patiosdefault

    $1,400 new × 50% good × 2.19 allocation

    $1,500

  • Decks & porches (attached)listing

    $15,800 new × 50% good × 2.19 allocation

    $17,200
Building, 39-year$197,000

  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,900 new × 40% good × 2.19 allocation

    $133,000

  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 2.19 allocation

    $13,800

  • Building electrical & lightingdefault

    $15,000 new × 40% good × 2.19 allocation

    $13,100

  • HVACdefault

    $15,800 new × 40% good × 2.19 allocation

    $13,800

  • Hardwood & tile floorsdefault

    $9,000 new × 40% good × 2.19 allocation

    $7,900

  • Fireplacelisting

    $2,600 new × 40% good × 2.19 allocation

    $2,300

  • Septic systemlisting

    $12,000 new × 50% good × 2.19 allocation

    $13,100

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
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.