1330 Jim Fain Rd
Sevierville, TN 37876
$1,199,000
3 bd · 3.5 ba · 3,880 sqft · Listed 3d ago
View on Realtor.com →Year built
2021
Sqft
3,880
Lot sqft
173,369
HOA / mo
None
Furnished
No
List date
2026-10-08T16:03:30.000000Z
Revenue
Annual revenue
$36,458
ADR
$206
Occupancy
48%
Cleaning fees (12 mo)
$9,227
Confidence
Med (65.31), 8 comps
Comp revenue range (p25 / median / p75)
Few similar-size comps were found, so all comps are shown.
Median revenue of shown comps: $36,878
Valley View Farm House
House · 4 bd · 2.5 ba · sleeps 8 · 0.9 mi
Revenue $27,264ADR $186Occ ≈ 40%5★ (62)
The Great Escape King suite, Kid friendly
Vacation home · 4 bd · 3 ba · sleeps 12 · 2.1 mi
Revenue $36,159ADR $318Occ ≈ 31%4.2★ (4)
Sunset Farm Stay with Pond
House · 4 bd · 2.5 ba · sleeps 12 · 2.2 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $54,824ADR $183Occ ≈ 82%4.9★ (83)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Fall SALE! •Pet Friendly •Mtn Views & Firepit! House
| 3 bd · 2.5 ba · sleeps 12 | $53,483 | $236 | 62% | 4.8★ (50) | 0.6 mi | AirbnbVrbo |
Private Hot Tub: Serene Family Home in Sevierville House
| 3 bd · 2.5 ba · sleeps 6 | $17,220 | $280 | 17% | 4.7★ (16) | 0.7 mi | AirbnbVrboBooking |
Peaceful Sevierville Home w/ Private Hot Tub! House
| 3 bd · 3 ba · sleeps 8 | $37,809 | $221 | 47% | 4.4★ (80) | 0.9 mi | AirbnbVrboBooking |
Valley View Farm House House | 4 bd · 2.5 ba · sleeps 8 | $27,264 | $186 | 40% | 5★ (62) | 0.9 mi | Airbnb |
Carden Cabin- 4 Bedrooms, 2.5 Bathrooms, Sleeps 10 Cabin
| 4 bd · 2.5 ba · sleeps 10 | $37,596 | $195 | 53% | 5★ (324) | 1.3 mi | AirbnbVrbo |
The Great Escape King suite, Kid friendly Vacation home | 4 bd · 3 ba · sleeps 12 | $36,159 | $318 | 31% | 4.2★ (4) | 2.1 mi | Booking |
The Great Escape- 4 bedroom Condo- lots of space House
| 4 bd · 3 ba · sleeps 12 | $29,321 | $272 | 30% | 4.8★ (81) | 2.2 mi | AirbnbVrbo |
Sunset Farm Stay with Pond House
| 4 bd · 2.5 ba · sleeps 12 | $54,824 | $183 | 82% | 4.9★ (83) | 2.2 mi | 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
Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium
Est. revenue
$36,458
NOI
$12,159
Cash flow /mo
-$5,679
Cash needed
$367,210
Cash-on-cash
-18.6%
ROE (yr 1)
-6.8%
Cap rate
1.0%
DSCR
0.15
Year-1 write-off
$191,733
Year-1 tax shield @ 32%
$61,355
Year-1 return on equity
- Cash flow (annual)-$68,153
- Principal paydown$7,291
- Appreciation at%$35,970
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)$7,292
- Platform fees (3% of revenue)$1,094
- Maintenance / capex (5% of revenue)$1,823
- Utilities & supplies$4,200
- HOA$0
- Property tax$2,697
- Insurance (STR-rated)$7,194
Cash needed to close
- Down payment (25%)$299,750
- Closing costs (4.0%)$47,960
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$61,355
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
$941,000
Short-life (5/15-yr)
$171,000 · 18%
Year-1 deduction
$192,000
Year-1 tax shield @ 32%
$61,000
Land 21% (county tax record, market value split) · building $770,000 over 39 years · new furniture $20,000
Based on: 3,880 sq ft, built 2021, 3 bd / 3.5 ba, unfurnished, listing features (deck, fireplace, flooring types, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $103,000 in year 1 (9% short-life, $33,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $16,900
Kitchen cabinetsdefault
$14,300 new × 80% good × 1.47 allocation
- $13,800
Kitchen countertopsdefault
$11,700 new × 80% good × 1.47 allocation
- $8,000
Decorative trimdefault
$6,800 new × 80% good × 1.47 allocation
- $400
Mirrorsdefault
$500 new × 58% good × 1.47 allocation
- $1,400
Shelvingdefault
$1,200 new × 80% good × 1.47 allocation
- $7,200
Window coverings (39)default
$9,800 new × 50% good × 1.47 allocation
- $10,700
Carpet, vinyl & laminate (50% of floors)listing
$12,500 new × 58% good × 1.47 allocation
- $14,800
Kitchen & laundry equipment plumbingdefault
$11,100 new × 90% good × 1.47 allocation
- $8,900
Kitchen, laundry & data equipment electricaldefault
$6,700 new × 90% good × 1.47 allocation
- $3,000
Appliances (range, microwave, dishwasher)listing
$3,500 new × 58% good × 1.47 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $19,000
Paving: driveway & walks (paved)default
$16,100 new × 80% good × 1.47 allocation
- $14,600
Landscaping (typical)default
$12,400 new × 80% good × 1.47 allocation
- $4,500
Patiosdefault
$3,800 new × 80% good × 1.47 allocation
- $48,200
Decks & porches (attached)listing
$43,700 new × 75% good × 1.47 allocation
- $570,100
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$422,300 new × 92% good × 1.47 allocation
- $58,000
Building plumbing & fixturesdefault
$43,800 new × 90% good × 1.47 allocation
- $61,600
Building electrical & lightingdefault
$46,500 new × 90% good × 1.47 allocation
- $48,300
HVACdefault
$43,700 new × 75% good × 1.47 allocation
- $14,700
Hardwood & tile floorsdefault
$12,500 new × 80% good × 1.47 allocation
- $3,100
Fireplacelisting
$2,600 new × 80% good × 1.47 allocation
- $14,100
Septic systemlisting
$12,000 new × 80% good × 1.47 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $104,500 | $86,400 | $800 | $191,700 |
| 2 | $0 | $0 | $19,700 | $19,700 |
| 3 | $0 | $0 | $19,700 | $19,700 |
| 4 | $0 | $0 | $19,700 | $19,700 |
| 5 | $0 | $0 | $19,700 | $19,700 |
| 6+ | $0 | $0 | $690,200 | $690,200 |
| Total | $104,500 | $86,400 | $770,000 | $960,900 |
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: 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.