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Rate 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium

636 Bear Paw Trl

636 Bear Paw Trl

Blue Ridge, GA 30513

$299,900

2 bd · 1 ba · Listed 55d ago

View on Realtor.com →
Negative cash flow

Year built

1981

Sqft

—

Lot sqft

218,671

HOA / mo

None

Furnished

No

List date

2026-09-18T19:51:06.000000Z

Revenue

Annual revenue

$32,393

ADR

$175

Occupancy

51%

Cleaning fees (12 mo)

$7,268

Confidence

Low (50.02), 50 comps

Comp revenue range (p25 / median / p75)

$20,568$31,542$41,561

Median revenue of shown comps: $31,542

  • Foxbear Cabin | Cherry Log, Ga

    Cabin · 2 bd · 1 ba · sleeps 4 · 207 ft

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $31,457ADR $271Occ ≈ 32%5★ (18)

    AirbnbVrbo

  • Honey Bear Hideout Stay

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.1 mi

    • Hot tub
    • A/C
    • Pets OK
    • Wifi
    • +3

    Revenue $5,827ADR $181Occ ≈ 9%4.7★ (113)

    AirbnbVrboBooking

  • Bear Watch - Retreat w/ Hot Tub, Pet Friendly

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $31,762ADR $201Occ ≈ 43%4.8★ (37)

    AirbnbVrboBooking

  • The Wander Inn | Free Night Offer!

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

    Revenue $8,784ADR $214Occ ≈ 11%4.8★ (130)

    AirbnbVrboBooking

  • Secluded Dog-Friendly Cabin w/ Deck, Private Hot Tub, Firepit, & Wood Fireplace

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

    Revenue $29,456ADR $175Occ ≈ 46%4.6★ (51)

    Vrbo

  • Cozy Blue Ridge Cabin w/ Hot Tub

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $15,811ADR $177Occ ≈ 24%5★ (48)

    AirbnbVrbo

  • Bear Paw Lodge 2b/1b Hot Tub Cozy/Modern

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

    • Hot tub
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $27,929ADR $175Occ ≈ 44%5★ (141)

    AirbnbVrbo

  • Timber Nest

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

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

    AirbnbVrbo

  • Wander Inn

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +3

    Revenue $8,327ADR $199Occ ≈ 11%5★ (15)

    Airbnb

  • 10 Minutes to Downtown Blue Ridge - Sleeps 4

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

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $32,413ADR $180Occ ≈ 49%5★ (249)

    Vrbo

Show 40 more
  • Cozy Woods Cabin Fire place/pit/Hot tub

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $46,907ADR $182Occ ≈ 71%4.9★ (223)

    AirbnbVrbo

  • Outdoor Lover's Haven in the Blue Ridge Mtns!

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +2

    Revenue $19,235ADR $199Occ ≈ 26%4.8★ (30)

    AirbnbVrboBooking

  • New Remodel, Fireplace, fire pit, Covered Porch

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $30,859ADR $159Occ ≈ 53%4.9★ (511)

    AirbnbVrbo

  • Boho Bear Cave | Brand New Hot Tub

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +3

    Revenue $56,467ADR $178Occ ≈ 87%5★ (386)

    AirbnbVrbo

  • Secluded 2BR Lakefront Dog Friendly | Hot Tub

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

    Revenue $16,674ADR $210Occ ≈ 22%4.3★ (98)

    AirbnbVrboBooking

  • * pond view ♡ Private♡ 2BR ♡Hottub+ Firepit*

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

    Revenue $37,903ADR $208Occ ≈ 50%5★ (256)

    AirbnbVrbo

  • Cozy Cabin | Hot Tub | Pets | Near Downtown

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $14,518ADR $231Occ ≈ 17%5★ (43)

    AirbnbBooking

  • Blue Ridge Cabin on a Lake

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

    Revenue $6,386ADR $242Occ ≈ 7%4.7★ (26)

    Delisted

  • Wellness Retreat | Pond View | Hot Tub | Dog Run

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $6,788ADR $189Occ ≈ 10%5★ (11)

    Airbnb

  • Lakefront Cabin w/Grill, Hot Tub and Fishing Dock

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

    Revenue $36,261ADR $198Occ ≈ 50%4.2★ (5)

    AirbnbVrbo

  • Trails End Cabin

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

    Revenue $33,371ADR $146Occ ≈ 63%4.8★ (209)

    AirbnbVrbo

  • Beaver Bungalow - Hot Tub with Mountain View’s

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $47,563ADR $157Occ ≈ 83%4.9★ (314)

    Airbnb

  • Trail Side Retreat - Blue Ridge, GA

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.3 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

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

    AirbnbVrboBooking

  • Lazy Bears Cabin in Cherry Log 4.9 * Guest Rating

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

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

    Revenue $25,097ADR $147Occ ≈ 47%5★ (156)

    AirbnbVrbo

  • Misty Ridge | True Log Cabin Blue Ridge & Ellijay

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

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

    AirbnbVrbo

  • Misty Ridge - Mtn Views, Fire Pit - Minimum Age

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

    Revenue $30,013ADR $208Occ ≈ 40%4.7★ (11)

    Delisted

  • Lovely Lakefront Mountain View Cabin

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

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $48,779ADR $188Occ ≈ 71%5★ (150)

    Airbnb

  • Indian Rock Lake Cabin

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

    • A/C
    • Pets OK
    • Wifi
    • Kitchen
    • +3

    Revenue $28,891ADR $211Occ ≈ 38%4.3★ (194)

    AirbnbVrboBooking

  • Camp Moxie in Blue Ridge

    Cabin · 2 bd · 2 ba · sleeps 8 · 0.4 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $40,632ADR $171Occ ≈ 65%4.8★ (65)

    Airbnb

  • Little Camp Moxie

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $36,599ADR $159Occ ≈ 63%4.7★ (25)

    AirbnbVrbo

  • SkyView – Blue Ridge Mountain Hideaway

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

    Revenue $42,570ADR $250Occ ≈ 47%5★ (4)

    AirbnbVrbo

  • Cozy Haven - Mountain View, Hot Tub, Fire Pit

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

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $52,439ADR $193Occ ≈ 74%4.9★ (527)

    AirbnbVrboBooking

  • Cozy Couples Cabin, Hot Tub, Fire Pit, Grill

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +3

    Revenue $57,768ADR $205Occ ≈ 77%5★ (464)

    AirbnbVrboBooking

  • Blue Ridge Bliss: Peaceful Retreat w/ Deck

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +3

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

    AirbnbVrboBooking

  • Trailside Creek Cabin | Hot Tub & Dog Yard

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

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

    AirbnbVrbo

  • Lazy Bear Lodge (Mountain Views/Hot tub/Firepit)

    Cabin · 2 bd · 1 ba · sleeps 8 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $22,520ADR $179Occ ≈ 34%4.9★ (137)

    AirbnbVrbo

  • High Country Hideaway | Cherry Log, GA

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

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

    AirbnbVrbo

  • Cozy Cabin near Blue Ridge Georgia

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    Revenue $22,498ADR $145Occ ≈ 43%5★ (80)

    Vrbo

  • Experience Serenity at Triple Nickel Cabin!

    Cabin · 2 bd · 2 ba · sleeps 6 · 0.5 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +3

    Revenue $21,715ADR $187Occ ≈ 32%5★ (27)

    AirbnbVrbo

  • Mountain View / Dog-friendly / Cozy Cabin Retreat

    Cabin · 2 bd · 2 ba · sleeps 5 · 0.5 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +4

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

    AirbnbVrbo

  • Laughing Hippo is a classic mountain cabin with la

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.5 mi

    Revenue $35,939ADR $144Occ ≈ 68%4.6★ (233)

    AirbnbVrbo

  • Rustic Nest - Quaint, cozy, dog friendly, hot tub

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $51,042ADR $230Occ ≈ 61%4.9★ (27)

    AirbnbVrbo

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

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +2

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

    AirbnbVrboBooking

  • Cozy 2-bedroom, one bath true cabin in amazing Blue Ridge mountains.with Wi Ac

    Cabin · 2 bd · 1 ba · sleeps 5 · 0.5 mi

    • A/C
    • Free parking
    • Wifi
    • Kitchen
    • +2

    Revenue $20,185ADR $136Occ ≈ 41%5★ (42)

    Vrbo

  • Spend Christmas at Tree Haven

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    Revenue $63,608ADR $190Occ ≈ 92%5★ (185)

    AirbnbVrbo

  • Fox Haven | Free Night Offer!

    Cabin · 2 bd · 1 ba · sleeps 6 · 0.5 mi

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

    AirbnbVrbo

  • 15% Off Summer Sale—Discount Already Applied!

    Cabin · 2 bd · 1 ba · sleeps 4 · 0.5 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +3

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

    AirbnbBooking

  • Secluded Views | Hot Tub · Fire Pit · 10 Min Town

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +3

    Revenue $44,192ADR $211Occ ≈ 57%5★ (41)

    Airbnb

  • Dancing Bear: Hot Tub, Fireplace, Pet Friendly

    Cabin · 2 bd · 2 ba · sleeps 4 · 0.5 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

    Revenue $26,864ADR $216Occ ≈ 34%4.4★ (10)

    AirbnbVrboBooking

  • Little Creek Cabin | Creekside Hot Tub + Firepit

    Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.6 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +4

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

    Airbnb

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

Rate 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium

Est. revenue

$32,393

NOI

$14,368

Cash flow /mo

-$442

Cash needed

$108,971

Cash-on-cash

-4.9%

ROE (yr 1)

5.1%

Cap rate

4.8%

DSCR

0.73

Year-1 write-off

$66,825

Year-1 tax shield @ 32%

$21,384

Year-1 return on equity

  • Cash flow (annual)-$5,305
  • Principal paydown$1,905
  • Appreciation at%$8,997
ROE5.1%

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)$6,479
  • Platform fees (3% of revenue)$972
  • Maintenance / capex (5% of revenue)$1,620
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$1,516
  • Insurance (STR-rated)$3,239

Cash needed to close

  • Down payment (25%)$74,975
  • Closing costs (4.0%)$11,996
  • Furnishing (bought new)$22,000

Tax savings if the STR loophole applies

  • Tax shield @ 32%$21,384

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

$159,000

Short-life (5/15-yr)

$44,000 · 28%

Year-1 deduction

$67,000

Year-1 tax shield @ 32%

$21,000

Land 47% (county tax record, market value split) · building $114,000 over 39 years · new furniture $22,000

Based on: ~1,400 sq ft (from beds), built 1981, 2 bd / 1 ba, unfurnished, listing features (deck, fence, game room, fireplace, flooring types, appliance list, septic, wooded lot).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $47,000 in year 1 (15% short-life, $15,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$44,100
  • Kitchen cabinetsdefault

    $8,900 new × 40% good × 1.29 allocation

    $4,600
  • Kitchen countertopsdefault

    $7,300 new × 40% good × 1.29 allocation

    $3,800
  • Decorative trimdefault

    $2,500 new × 40% good × 1.29 allocation

    $1,300
  • Mirrorsdefault

    $200 new × 40% good × 1.29 allocation

    $100
  • Shelvingdefault

    $900 new × 40% good × 1.29 allocation

    $500
  • Window coverings (14)default

    $3,500 new × 40% good × 1.29 allocation

    $1,800
  • Carpet, vinyl & laminate (50% of floors)listing

    $4,500 new × 40% good × 1.29 allocation

    $2,300
  • Kitchen & laundry equipment plumbingdefault

    $6,900 new × 40% good × 1.29 allocation

    $3,600
  • Kitchen, laundry & data equipment electricaldefault

    $4,200 new × 40% good × 1.29 allocation

    $2,200
  • Appliances (range, refrigerator)listing

    $4,000 new × 40% good × 1.29 allocation

    $2,100
  • Furniture bought newlisting

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

    $16,000
  • Game-room equipment bought newlisting

    $6,000 new × 100% good · bought separately

    $6,000
15-year land improvements$22,400
  • Paving: driveway & walks (paved)default

    $7,800 new × 50% good × 1.29 allocation

    $5,000
  • Landscaping (minimal)listing

    $3,700 new × 50% good × 1.29 allocation

    $2,400
  • Patiosdefault

    $1,400 new × 50% good × 1.29 allocation

    $900
  • Decks & porches (attached)listing

    $15,800 new × 50% good × 1.29 allocation

    $10,200
  • Fencinglisting

    $6,000 new × 50% good × 1.29 allocation

    $3,900
Building, 39-year$114,100
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $151,900 new × 40% good × 1.29 allocation

    $78,600
  • Building plumbing & fixturesdefault

    $15,700 new × 40% good × 1.29 allocation

    $8,100
  • Building electrical & lightingdefault

    $15,000 new × 40% good × 1.29 allocation

    $7,800
  • HVACdefault

    $15,800 new × 40% good × 1.29 allocation

    $8,200
  • Hardwood & tile floorsdefault

    $4,500 new × 40% good × 1.29 allocation

    $2,300
  • Fireplacelisting

    $2,600 new × 40% good × 1.29 allocation

    $1,400
  • Septic systemlisting

    $12,000 new × 50% good × 1.29 allocation

    $7,800

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$44,100$22,400$400$66,800
2$0$0$2,900$2,900
3$0$0$2,900$2,900
4$0$0$2,900$2,900
5$0$0$2,900$2,900
6+$0$0$102,000$102,000
Total$44,100$22,400$114,100$180,500

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.