430 Hardscrabble Rd
Mineral Bluff, GA 30559
$245,000
2 bd · 1 ba · Listed 1d ago
View on Realtor.com →Year built
1996
Sqft
—
Lot sqft
65,340
HOA / mo
None
Furnished
No
List date
2026-10-27T20:46:01.000000Z
Revenue
Annual revenue
$38,240
ADR
$201
Occupancy
52%
Cleaning fees (12 mo)
$6,773
Confidence
Low (26.29), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $28,815
Moody. Modern. Magic. | 10 Min to Blue Ridge
Cabin · 2 bd · 2 ba · sleeps 4 · 0.8 mi
Revenue $1,248ADR $224Occ ≈ 2%5★ (1)
Luxury Geodesic Glamping Dome with Rain Shower & Loft Escape in Mineral Bluff, Georgia
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.9 mi
Revenue $4,804ADR $404Occ ≈ 3%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Deck, Panoramic Views: Serene Mineral Bluff Cabin! Cabin
| 2 bd · 2 ba · sleeps 4 | $23,062 | $211 | 30% | 4.9★ (47) | 0.6 mi | AirbnbVrboBooking |
Moody. Modern. Magic. | 10 Min to Blue Ridge Cabin | 2 bd · 2 ba · sleeps 4 | $1,248 | $224 | 2% | 5★ (1) | 0.8 mi | Airbnb |
Unique Treebarn! The Raven's Nest Elevated Escape Cabin
| 2 bd · 1 ba · sleeps 4 | $52,577 | $193 | 75% | 5★ (85) | 0.8 mi | AirbnbVrbo |
Hemptown Hollow! Creekfront:10 min from Blue Ridge Cabin
| 2 bd · 1 ba · sleeps 6 | $73,189 | $310 | 65% | 5★ (201) | 0.9 mi | AirbnbVrbo |
Easy Access Blue Ridge Cabin w/ Hot Tub Cabin
| 2 bd · 1 ba · sleeps 4 | $40,343 | $181 | 61% | 5★ (367) | 0.9 mi | AirbnbVrbo |
Luxury Geodesic Glamping Dome with Rain Shower & Loft Escape in Mineral Bluff, Georgia Vacation home | 2 bd · 1 ba · sleeps 4 | $4,804 | $404 | 3% | — | 0.9 mi | Booking |
By The Peaks | Mtn Views + Hot Tub + Game Room Cabin
| 2 bd · 2 ba · sleeps 4 | $58,187 | $336 | 47% | 4.9★ (133) | 0.9 mi | AirbnbVrboBooking |
Creekside Cabin Pet Friendly w/Hot Tub & Fire Pit! Cabin
| 2 bd · 2 ba · sleeps 4 | $58,448 | $260 | 62% | 5★ (117) | 1.1 mi | AirbnbVrbo |
Trout Tales Hideaway on the River. Cabin
| 2 bd · 2 ba · sleeps 4 | $55,108 | $230 | 66% | 5★ (131) | 1.1 mi | AirbnbVrbo |
Blue Ridge A Frame | Hot Tub | Screened Porch Cabin
| 2 bd · 1 ba · sleeps 4 | $55,581 | $224 | 68% | 5★ (99) | 1.2 mi | AirbnbVrboBooking |
Show 40 more
Evening Shade Trail
Cabin · 2 bd · 1 ba · sleeps 4 · 1.4 mi
Revenue $37,137ADR $142Occ ≈ 72%5★ (325)
Romantic Riverfront Cabin with Pool Access in Blue Ridge, Georgia
Vacation home · 2 bd · 2 ba · sleeps 4 · 1.5 mi
Revenue $62,306ADR $188Occ ≈ 91%—
Romantic Riverfront Cabin with Pool Access in Blue Ridge, Georgia
Cabin · 2 bd · 2 ba · sleeps 4 · 1.5 mi
- Pool
- A/C
- Pets OK
- Wifi
- +2
Revenue $32,849ADR $264Occ ≈ 34%—
Delightful Cabin Rental with Mountain Views near Chattahoochee National Forest, Georgia
Cabin · 2 bd · 2 ba · sleeps 6 · 1.7 mi
- Pool
- A/C
- Pets OK
- Wifi
- +3
Revenue $24,249ADR $267Occ ≈ 25%4★ (1)
Fantastic Glamping Tiny Home Rental on The Toccoa River in Blue Ridge, Georgia
Cabin · 2 bd · 2 ba · sleeps 8 · 1.8 mi
- Pool
- A/C
- Pets OK
- Wifi
- +2
Revenue $33,654ADR $307Occ ≈ 30%4.2★
Mad Hatter Cottage ~ *Dark Whimsical Riverfront*
Cottage · 2 bd · 1.5 ba · sleeps 4 · 1.9 mi
Revenue $108,545ADR $392Occ ≈ 76%5★ (192)
Peace of Paradise Stay
Cabin · 2 bd · 2 ba · sleeps 4 · 2.0 mi
Revenue $1,334ADR $190Occ ≈ 2%4★ (3)
Creekside Hot Tub Cabin Near Blue Ridge
House · 2 bd · 1 ba · sleeps 4 · 2.0 mi
Revenue $1,860ADR $155Occ ≈ 3%4.5★ (2)
Serenity Blue Ridge
Cabin · 2 bd · 2 ba · sleeps 5 · 2.0 mi
- A/C
- Free parking
- Wifi
- Kitchen
- +2
Revenue $11,425ADR $140Occ ≈ 22%5★ (110)
Cozy log cabin with hot tub, fire pit, and scenic screened porches
Cabin · 2 bd · 2 ba · sleeps 4 · 2.0 mi
Revenue $8,609ADR $244Occ ≈ 10%4★ (2)
Mountain Views! Romantic, cozy luxury cabin; Hot tub, wifi, Sat TV, mins from BR
Cabin · 2 bd · 1 ba · sleeps 4 · 2.1 mi
Revenue $54,610ADR $181Occ ≈ 83%4.9★ (318)
Timber Ridge - Mtn View Cabin, Pet Friendly, Hot
Cabin · 2 bd · 1 ba · sleeps 4 · 2.1 mi
Revenue $25,647ADR $674Occ ≈ 10%5★ (21)
Treeangle Treehouse
Vacation home · 2 bd · 1 ba · sleeps 4 · 2.1 mi
Revenue $1,141ADR $380Occ ≈ 1%—
The Long Weekend Blue Ridge | Hot Tub & Sauna
Cabin · 2 bd · 2 ba · sleeps 4 · 2.2 mi
Revenue $7,884ADR $116Occ ≈ 19%5★ (4)
Delisted
In the Oaks
Cabin · 2 bd · 2 ba · sleeps 4 · 2.2 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +4
Revenue $14,098ADR $189Occ ≈ 20%5★ (26)
Welcome to Serenity Acres — a cozy 2BR/2BA cabin on Hot House Creek in Mineral Bluff, GA.
Cabin · 2 bd · 2 ba · sleeps 4 · 2.2 mi
Revenue $1,602ADR $295Occ ≈ 1%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Farm Charm- Your Peaceful Mountain Retreat! House | 2 bd · 2 ba · sleeps 6 | $28,439 | $227 | 34% | 5★ (88) | 1.2 mi | AirbnbVrbo |
Pet-Friendly Near Blue Ridge, Hot Tub & Fire Pit Cabin | 2 bd · 2 ba · sleeps 4 | $29,190 | $290 | 28% | — | 1.3 mi | AirbnbBooking |
Let It Be Lodge -Pet Friendly, Hot Tub, Fire Pit Cabin
| 2 bd · 2 ba · sleeps 6 | $9,049 | $278 | 9% | 5★ (2) | 1.4 mi | AirbnbVrboBooking |
'Serenity Cabin' w/ Furnished Deck Cabin | 2 bd · 1 ba · sleeps 4 | $16,588 | $161 | 28% | 5★ (61) | 1.4 mi | AirbnbVrboBooking |
Evening Shade Trail Cabin | 2 bd · 1 ba · sleeps 4 | $37,137 | $142 | 72% | 5★ (325) | 1.4 mi | Airbnb |
The Bend at Toccoa River Retreat Cabin
| 2 bd · 1.5 ba · sleeps 6 | $65,499 | $255 | 70% | 5★ (63) | 1.4 mi | AirbnbVrbo |
Romantic Riverfront Cabin with Pool Access in Blue Ridge, Georgia Vacation home | 2 bd · 2 ba · sleeps 4 | $62,306 | $188 | 91% | — | 1.5 mi | Booking |
Romantic Riverfront Cabin with Pool Access in Blue Ridge, Georgia Cabin
| 2 bd · 2 ba · sleeps 4 | $32,849 | $264 | 34% | — | 1.5 mi | Vrbo |
Riverfront Cabin • Hot Tub • Near Blue Ridge Cabin
| 2 bd · 2 ba · sleeps 6 | $38,490 | $300 | 35% | 4.9★ (23) | 1.5 mi | AirbnbVrboBooking |
Peak-a-Blue|hottub movies|mt view|game rm|big deck Cabin | 2 bd · 1 ba · sleeps 6 | $58,731 | $222 | 72% | 5★ (233) | 1.6 mi | AirbnbVrboBooking |
Reel Sweet Cabin | 2 bd · 2 ba · sleeps 5 | $12,266 | $324 | 10% | 5★ (45) | 1.7 mi | Airbnb |
Delightful Cabin Rental with Mountain Views near Chattahoochee National Forest, Georgia Cabin
| 2 bd · 2 ba · sleeps 6 | $24,249 | $267 | 25% | 4★ (1) | 1.7 mi | Vrbo |
The Carriage House Cabin
| 2 bd · 2 ba · sleeps 6 | $49,001 | $189 | 71% | 4.9★ (489) | 1.7 mi | AirbnbVrboBooking |
Private, Fire Pit, Hot Tub, Pet Friendly, Cozy Cabin | 2 bd · 1.5 ba · sleeps 4 | $27,153 | $204 | 36% | 4.8★ (123) | 1.8 mi | AirbnbVrboBooking |
Peaceful, Pet Friendly, Blue Ridge Ga Retreat Cabin | 2 bd · 2 ba · sleeps 4 | $18,658 | $212 | 24% | 4.8★ (75) | 1.8 mi | AirbnbVrboBooking |
The Toccoa Overlook Cabin
| 2 bd · 2 ba · sleeps 4 | $69,375 | $239 | 80% | 5★ (302) | 1.8 mi | AirbnbVrboBooking |
Fantastic Glamping Tiny Home Rental on The Toccoa River in Blue Ridge, Georgia Cabin
| 2 bd · 2 ba · sleeps 8 | $33,654 | $307 | 30% | 4.2★ | 1.8 mi | Vrbo |
Eagles Nest- Pet Friendly, Screened Porch, Hot Tub Cabin | 2 bd · 2 ba · sleeps 4 | $34,245 | $302 | 31% | 4.8★ (12) | 1.9 mi | AirbnbVrboBooking |
Mad Hatter Cottage ~ *Dark Whimsical Riverfront* Cottage | 2 bd · 1.5 ba · sleeps 4 | $108,545 | $392 | 76% | 5★ (192) | 1.9 mi | Airbnb |
Rocky Top- Pet Friendly, VIEWS VIEWS VIEWS + more! Cabin | 2 bd · 2 ba · sleeps 4 | $39,746 | $341 | 32% | 4.9★ (26) | 1.9 mi | AirbnbVrboBooking |
Couples Cabin | Hot Tub, Firepit + Panoramic Views Cabin | 2 bd · 2 ba · sleeps 4 | $18,613 | $283 | 18% | 5★ (19) | 1.9 mi | AirbnbVrbo |
Peace of Paradise Stay Cabin | 2 bd · 2 ba · sleeps 4 | $1,334 | $190 | 2% | 4★ (3) | 2.0 mi | Airbnb |
Peaceful, Easy Feeling! Mtn View, Hot Tub, Porch Cabin | 2 bd · 1.5 ba · sleeps 4 | $13,957 | $253 | 15% | 5★ (7) | 2.0 mi | AirbnbVrbo |
Mineral Bluff Cabin Near Lake Blue Ridge! Cabin | 2 bd · 2 ba · sleeps 6 | $30,721 | $215 | 39% | 5★ (71) | 2.0 mi | AirbnbVrboBooking |
Creekside Hot Tub Cabin Near Blue Ridge House | 2 bd · 1 ba · sleeps 4 | $1,860 | $155 | 3% | 4.5★ (2) | 2.0 mi | Airbnb |
Serenity Blue Ridge Cabin
| 2 bd · 2 ba · sleeps 5 | $11,425 | $140 | 22% | 5★ (110) | 2.0 mi | Airbnb |
Cozy log cabin with hot tub, fire pit, and scenic screened porches Cabin | 2 bd · 2 ba · sleeps 4 | $8,609 | $244 | 10% | 4★ (2) | 2.0 mi | Vrbo |
Secluded Small river branch, minutes to blue Ridge Cabin | 2 bd · 2 ba · sleeps 4 | $48,167 | $183 | 72% | 5★ (309) | 2.1 mi | AirbnbVrbo |
Mountain Views! Romantic, cozy luxury cabin; Hot tub, wifi, Sat TV, mins from BR Cabin | 2 bd · 1 ba · sleeps 4 | $54,610 | $181 | 83% | 4.9★ (318) | 2.1 mi | Vrbo |
Timber Ridge - Mtn View Cabin, Pet Friendly, Hot Cabin | 2 bd · 1 ba · sleeps 4 | $25,647 | $674 | 10% | 5★ (21) | 2.1 mi | Airbnb |
Bear River Cabin-Hot Tub, 5 Min Toccoa River Cabin
| 2 bd · 2 ba · sleeps 4 | $21,243 | $269 | 22% | 3.9★ (13) | 2.1 mi | AirbnbVrboBooking |
Treeangle Treehouse Vacation home | 2 bd · 1 ba · sleeps 4 | $1,141 | $380 | 1% | — | 2.1 mi | Booking |
The Long Weekend Blue Ridge | Hot Tub & Sauna Cabin | 2 bd · 2 ba · sleeps 4 | $7,884 | $116 | 19% | 5★ (4) | 2.2 mi | Delisted |
Blue Ridge Cabin | Near Lake & Downtown w/hot tub! Cabin | 2 bd · 2 ba · sleeps 8 | $43,233 | $251 | 47% | 5★ (53) | 2.2 mi | AirbnbVrbo |
Moss Creek Cabin Stay Cabin | 2 bd · 1 ba · sleeps 6 | $7,510 | $174 | 12% | 4.8★ (181) | 2.2 mi | AirbnbVrboBooking |
Wooded Retreat | 8 Mins to Blue Ridge | Hot Tub Cabin | 2 bd · 1 ba · sleeps 4 | $23,934 | $173 | 38% | 4.9★ (45) | 2.2 mi | AirbnbVrbo |
In the Oaks Cabin
| 2 bd · 2 ba · sleeps 4 | $14,098 | $189 | 20% | 5★ (26) | 2.2 mi | Airbnb |
Welcome to Serenity Acres — a cozy 2BR/2BA cabin Cabin | 2 bd · 2 ba · sleeps 4 | $2,813 | $216 | 4% | — | 2.2 mi | AirbnbVrbo |
Welcome to Serenity Acres — a cozy 2BR/2BA cabin on Hot House Creek in Mineral Bluff, GA. Cabin | 2 bd · 2 ba · sleeps 4 | $1,602 | $295 | 1% | — | 2.2 mi | Vrbo |
Black Bear Summit Cabin Cabin | 2 bd · 2 ba · sleeps 8 | $35,870 | $256 | 38% | 4.8★ (5) | 2.3 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
Rate 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium
Est. revenue
$38,240
NOI
$17,795
Cash flow /mo
$126
Cash needed
$87,050
Cash-on-cash
1.7%
ROE (yr 1)
11.9%
Cap rate
7.3%
DSCR
1.09
Year-1 write-off
$50,421
Year-1 tax shield @ 32%
$16,135
Year-1 return on equity
- Cash flow (annual)$1,507
- Principal paydown$1,514
- Appreciation at%$7,350
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)$7,648
- Platform fees (3% of revenue)$1,147
- Maintenance / capex (5% of revenue)$1,912
- Utilities & supplies$4,200
- HOA$0
- Property tax$2,929
- Insurance (STR-rated)$2,609
Cash needed to close
- Down payment (25%)$61,250
- Closing costs (4.0%)$9,800
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$16,135
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
$163,000
Short-life (5/15-yr)
$34,000 · 21%
Year-1 deduction
$50,000
Year-1 tax shield @ 32%
$16,000
Land 33% (county tax record, market value split) · building $129,000 over 39 years · new furniture $16,000
Based on: ~1,400 sq ft (from beds), built 1996, 2 bd / 1 ba, unfurnished, listing features (flooring types, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $40,000 in year 1 (14% short-life, $13,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $4,500
Kitchen cabinetsdefault
$8,900 new × 40% good × 1.27 allocation
- $3,700
Kitchen countertopsdefault
$7,300 new × 40% good × 1.27 allocation
- $1,200
Decorative trimdefault
$2,500 new × 40% good × 1.27 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.27 allocation
- $500
Shelvingdefault
$900 new × 40% good × 1.27 allocation
- $1,800
Window coverings (14)default
$3,500 new × 40% good × 1.27 allocation
- $3,000
Carpet, vinyl & laminate (67% of floors)listing
$6,000 new × 40% good × 1.27 allocation
- $3,500
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 1.27 allocation
- $2,100
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 1.27 allocation
- $2,500
Appliances (range, dishwasher, refrigerator)listing
$5,000 new × 40% good × 1.27 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $4,900
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 1.27 allocation
- $4,700
Landscaping (typical)default
$7,500 new × 50% good × 1.27 allocation
- $900
Patiosdefault
$1,400 new × 50% good × 1.27 allocation
- $900
Decks & porches (attached)default
$1,400 new × 50% good × 1.27 allocation
- $96,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 50% good × 1.27 allocation
- $8,000
Building plumbing & fixturesdefault
$15,700 new × 40% good × 1.27 allocation
- $7,600
Building electrical & lightingdefault
$15,000 new × 40% good × 1.27 allocation
- $8,000
HVACdefault
$15,800 new × 40% good × 1.27 allocation
- $1,500
Hardwood & tile floorsdefault
$3,000 new × 40% good × 1.27 allocation
- $7,600
Septic systemlisting
$12,000 new × 50% good × 1.27 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $38,900 | $11,400 | $100 | $50,400 |
| 2 | $0 | $0 | $3,300 | $3,300 |
| 3 | $0 | $0 | $3,300 | $3,300 |
| 4 | $0 | $0 | $3,300 | $3,300 |
| 5 | $0 | $0 | $3,300 | $3,300 |
| 6+ | $0 | $0 | $115,500 | $115,500 |
| Total | $38,900 | $11,400 | $128,900 | $179,100 |
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.