130 Moneymaker Cir
Gatlinburg, TN 37738
$899,000
3 bd · 3 ba · 3,200 sqft · Listed 1d ago
View on Realtor.com →Year built
1994
Sqft
3,200
Lot sqft
197,327
HOA / mo
$0
Furnished
No
List date
2026-10-14T20:22:10.000000Z
Revenue
Annual revenue
$49,490
ADR
$265
Occupancy
51%
Cleaning fees (12 mo)
$8,938
Confidence
Low (45.63), 28 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $43,654
Experience luxury at Smoky Mountain Hideaway, just 5 miles from downtown Gatlinburg
Vacation home · 3 bd · 3 ba · sleeps 6 · 0.1 mi
Revenue $63,945ADR $304Occ ≈ 58%5★ (10)
Escape to the serene beauty of the Smoky
Cabin · 3 bd · 2 ba · sleeps 8 · 0.5 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $23,614ADR $218Occ ≈ 30%4.8★ (4)
Gatlinburg's Hidden Gem | Large Yard + Hot Tub
Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.5 mi
Revenue $84,114ADR $474Occ ≈ 49%4.7★ (8)
Fantastic Cabin with Hot-tub in Gatlinburg, Tennessee
House · 3 bd · 3 ba · sleeps 8 · 0.6 mi
Revenue $14,363ADR $468Occ ≈ 8%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Experience luxury at Smoky Mountain Hideaway, just 5 miles from downtown Gatlinburg Vacation home | 3 bd · 3 ba · sleeps 6 | $63,945 | $304 | 58% | 5★ (10) | 0.1 mi | Booking |
Luxury at Smoky Mountain Hideaway, 5 miles to town Cabin
| 3 bd · 2.5 ba · sleeps 8 | $55,449 | $314 | 48% | 4.9★ (80) | 0.1 mi | AirbnbVrbo |
Home Located in Gatlinburg - Pets Welcome House
| 3 bd · 2 ba · sleeps 6 | $12,787 | $222 | 16% | 4.9★ (8) | 0.3 mi | AirbnbVrboBooking |
Gatlinburg, Pet Friendly, Secluded, Hot Tub, Games Cottage | 3 bd · 2 ba · sleeps 8 | $43,654 | $220 | 54% | 4.9★ (137) | 0.4 mi | AirbnbBooking |
Escape to the serene beauty of the Smoky Cabin
| 3 bd · 2 ba · sleeps 8 | $23,614 | $218 | 30% | 4.8★ (4) | 0.5 mi | Airbnb |
RockyTop Sports 3 Min, Big Spa, Firepit, Dog Lover House
| 3 bd · 3 ba · sleeps 10 | $41,678 | $431 | 26% | 5★ (22) | 0.5 mi | AirbnbVrbo |
Gatlinburg's Hidden Gem | Large Yard + Hot Tub Cabin | 3 bd · 2.5 ba · sleeps 8 | $84,114 | $474 | 49% | 4.7★ (8) | 0.5 mi | Airbnb |
Pine Haven | Hot Tub + Near Downtown Gatlinburg Cabin
| 3 bd · 3 ba · sleeps 8 | $44,466 | $318 | 38% | 4.7★ (15) | 0.5 mi | AirbnbVrbo |
Fantastic Cabin with Hot-tub in Gatlinburg, Tennessee House | 3 bd · 3 ba · sleeps 8 | $14,363 | $468 | 8% | — | 0.6 mi | Booking |
Gingerbread House | Hot Tub, Fire Pit, Arcade Cabin
| 3 bd · 2.5 ba · sleeps 10 | $519 | $259 | 1% | 5★ (1) | 0.6 mi | AirbnbVrboBooking |
Show 13 more
Ridgecrest Retreat | Hot Tub • Decks • Game Room!
House · 3 bd · 2.5 ba · sleeps 8 · 0.7 mi
Revenue $24,479ADR $237Occ ≈ 28%4.5★ (14)
Fun Family Cabin | Game Room | Hot tub
Cabin · 3 bd · 2 ba · sleeps 9 · 0.7 mi
Revenue $40,685ADR $373Occ ≈ 30%4.9★ (112)
Cozy 3-Bedroom Cabin in Gatlinburg – Mountain
Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.7 mi
Revenue $54,608ADR $324Occ ≈ 46%4.8★ (12)
Escape to Bearadise, 1 mile to Rocky Top Sports!
Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.7 mi
Revenue $55,049ADR $325Occ ≈ 46%4.9★ (94)
Heavenly Sunshine By Stony Brook Cabins
Vacation home · 3 bd · 3 ba · sleeps 8 · 0.7 mi
Revenue $30,397ADR $161Occ ≈ 52%4.8★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Moonshine Hollow - 3bd 3bth - Mountain Views! House
| 3 bd · 3 ba · sleeps 8 | $57,581 | $275 | 57% | 4.5★ (24) | 0.6 mi | AirbnbVrboBooking |
Family Cabin - Hot Tub, Playground, Free Pets Cabin
| 3 bd · 2 ba · sleeps 9 | $79,351 | $370 | 59% | 4.8★ (44) | 0.6 mi | AirbnbVrboBooking |
Ridgecrest Retreat | Hot Tub • Decks • Game Room! House | 3 bd · 2.5 ba · sleeps 8 | $24,479 | $237 | 28% | 4.5★ (14) | 0.7 mi | Booking |
Ridgecrest Retreat | Hot Tub • Decks • Game Room! House
| 3 bd · 2.5 ba · sleeps 8 | $24,497 | $226 | 30% | 4.3★ (3) | 0.7 mi | AirbnbVrbo |
Fun Family Cabin | Game Room | Hot tub Cabin | 3 bd · 2 ba · sleeps 9 | $40,685 | $373 | 30% | 4.9★ (112) | 0.7 mi | Airbnb |
The Ranger Station House
| 3 bd · 2 ba · sleeps 8 | $42,029 | $348 | 33% | 5★ (16) | 0.7 mi | AirbnbVrbo |
Perfect location! Hot tub, 2 king beds, bunk room Cabin
| 3 bd · 2 ba · sleeps 8 | $45,266 | $286 | 43% | 5★ (119) | 0.7 mi | AirbnbVrbo |
Game Room, Hot Tub & Sauna | No Steep Roads Cabin
| 3 bd · 2.5 ba · sleeps 8 | $74,826 | $289 | 71% | 4.8★ (157) | 0.7 mi | AirbnbVrbo |
Charming Cabin w/ Hot Tub near Gatlinburg Cabin
| 3 bd · 2 ba · sleeps 7 | $7,302 | $255 | 8% | 5★ (1) | 0.7 mi | AirbnbVrbo |
Cozy 3-Bedroom Cabin in Gatlinburg – Mountain Cabin | 3 bd · 2.5 ba · sleeps 8 | $54,608 | $324 | 46% | 4.8★ (12) | 0.7 mi | Airbnb |
Escape to Bearadise, 1 mile to Rocky Top Sports! Cabin | 3 bd · 2.5 ba · sleeps 8 | $55,049 | $325 | 46% | 4.9★ (94) | 0.7 mi | Airbnb |
Heavenly Sunshine By Stony Brook Cabins Vacation home | 3 bd · 3 ba · sleeps 8 | $30,397 | $161 | 52% | 4.8★ (2) | 0.7 mi | Booking |
3 min to Rocky Top, 20 min to Smokies | Modern 3BR House
| 3 bd · 2 ba · sleeps 6 | $54,370 | $238 | 63% | 5★ (188) | 0.7 mi | AirbnbVrboBooking |
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
Est. revenue
$49,490
NOI
$23,726
Cash flow /mo
$1,977
Cash needed
$954,460
Cash-on-cash (all cash)
2.5%
ROE (yr 1)
5.3%
Cap rate
2.6%
DSCR
—
Year-1 write-off
$142,362
Year-1 tax shield @ 32%
$45,556
Year-1 return on equity
- Cash flow (annual)$23,726
- Principal paydown (n/a, cash)$0
- Appreciation at%$26,970
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)$9,898
- Platform fees (3% of revenue)$1,485
- Maintenance / capex (5% of revenue)$2,475
- Utilities & supplies$4,200
- HOA$0
- Property tax$2,313
- Insurance (STR-rated)$5,394
Cash needed to close
- Purchase price (all cash)$899,000
- Closing costs (4.0%)$35,960
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$45,556
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
$681,000
Short-life (5/15-yr)
$122,000 · 18%
Year-1 deduction
$142,000
Year-1 tax shield @ 32%
$46,000
Land 24% (county tax record, market value split) · building $559,000 over 39 years · new furniture $20,000
Based on: 3,200 sq ft, built 1994, 3 bd / 3 ba, unfurnished, listing features (fireplace, flooring types, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $106,000 in year 1 (13% short-life, $34,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $13,400
Kitchen cabinetsdefault
$12,800 new × 40% good × 2.62 allocation
- $11,000
Kitchen countertopsdefault
$10,500 new × 40% good × 2.62 allocation
- $5,900
Decorative trimdefault
$5,600 new × 40% good × 2.62 allocation
- $500
Mirrorsdefault
$500 new × 40% good × 2.62 allocation
- $1,300
Shelvingdefault
$1,200 new × 40% good × 2.62 allocation
- $8,400
Window coverings (32)default
$8,000 new × 40% good × 2.62 allocation
- $21,600
Carpet, vinyl & laminate (100% of floors)listing
$20,600 new × 40% good × 2.62 allocation
- $10,400
Kitchen & laundry equipment plumbingdefault
$10,000 new × 40% good × 2.62 allocation
- $6,300
Kitchen, laundry & data equipment electricaldefault
$6,000 new × 40% good × 2.62 allocation
- $5,200
Appliances (range, dishwasher, refrigerator)listing
$5,000 new × 40% good × 2.62 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $15,300
Paving: driveway & walks (paved)default
$11,700 new × 50% good × 2.62 allocation
- $14,800
Landscaping (typical)default
$11,300 new × 50% good × 2.62 allocation
- $4,100
Patiosdefault
$3,200 new × 50% good × 2.62 allocation
- $4,100
Decks & porches (attached)default
$3,200 new × 50% good × 2.62 allocation
- $425,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$348,000 new × 47% good × 2.62 allocation
- $37,800
Building plumbing & fixturesdefault
$36,100 new × 40% good × 2.62 allocation
- $39,600
Building electrical & lightingdefault
$37,800 new × 40% good × 2.62 allocation
- $37,700
HVACdefault
$36,100 new × 40% good × 2.62 allocation
- $2,800
Fireplacelisting
$2,600 new × 40% good × 2.62 allocation
- $15,700
Septic systemlisting
$12,000 new × 50% good × 2.62 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $103,400 | $38,400 | $600 | $142,400 |
| 2 | $0 | $0 | $14,300 | $14,300 |
| 3 | $0 | $0 | $14,300 | $14,300 |
| 4 | $0 | $0 | $14,300 | $14,300 |
| 5 | $0 | $0 | $14,300 | $14,300 |
| 6+ | $0 | $0 | $500,700 | $500,700 |
| Total | $103,400 | $38,400 | $558,600 | $700,300 |
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
STR allowed in most of Sevier County; inside Gatlinburg city limits only in overnight-rental zones.