Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

5 Tanglewood Ln

Blue Ridge, GA 30513

$425,000

3 bd · 2 ba · Listed today

View on Realtor.com →

Est. land %Negative cash flow

Year built

1984

Sqft

—

Lot sqft

62,291

HOA / mo

None

Furnished

List date

2026-10-19T05:44:39.000000Z

Revenue

Annual revenue

$50,085

ADR

$258

Occupancy

53%

Cleaning fees (12 mo)

$10,588

Confidence

Low (42.52), 19 comps

Comp revenue range (p25 / median / p75)

$22,925$38,589$55,856

Median revenue of shown comps: $39,045

3 Mi to Dtwn: Blue Ridge Cabin w/ Hot Tub & Views
Cabin · 3 bd · 2 ba · sleeps 6 · 328 ft
- Hot tub
- A/C
- Free parking
- Wifi
- +1
Revenue $56,614ADR $223Occ ≈ 70%4.6★ (50)
Airbnb Vrbo Booking
American Dream - Cozy Charm with a Fireplace
Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +3
Revenue $35,621ADR $226Occ ≈ 43%4.7★ (69)
Airbnb Vrbo Booking
5 min to DWTN & Lake | MiniGolf, Arcades, Foosball
Cabin · 3 bd · 3 ba · sleeps 10 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +7
Revenue $78,627ADR $250Occ ≈ 86%5★ (420)
Airbnb Vrbo
Cozy home close to the Marina, Lake and Downtown
Cottage · 3 bd · 2 ba · sleeps 6 · 0.4 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $18,385ADR $151Occ ≈ 33%5★ (62)
Airbnb Vrbo
Lazy Bear Lodge! Minutes to Downtown Blue Ridge!
House · 3 bd · 2 ba · sleeps 6 · 0.4 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +3
Revenue $37,632ADR $263Occ ≈ 39%5★ (100)
Airbnb Vrbo
Cozy Cabin in the Trees
Cabin · 3 bd · 2 ba · sleeps 6 · 0.5 mi
- A/C
- Wifi
- Kitchen
- Washer
- +1
Revenue $14,230ADR $254Occ ≈ 15%5★ (13)
Airbnb Vrbo
Dream Come True - Views, Hot Tub, Fire Pit
House · 3 bd · 3 ba · sleeps 8 · 0.5 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $73,868ADR $403Occ ≈ 50%5★ (37)
Airbnb Vrbo Booking
Mtn views, fire pit, mins from downtown Blue Ridge
Cabin · 3 bd · 3 ba · sleeps 6 · 0.6 mi
Revenue $6,236ADR $207Occ ≈ 8%5★ (3)
Airbnb Vrbo
Blue Ridge Bound!
Cabin · 3 bd · 3 ba · sleeps 8 · 0.6 mi
Revenue $13,498ADR $420Occ ≈ 9%5★ (147)
Airbnb Vrbo
Mtn Views • Hot Tub • Treehouse • 2 Mi Town • 7acr
Cabin · 3 bd · 3 ba · sleeps 10 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $80,460ADR $292Occ ≈ 75%5★ (119)
Airbnb Vrbo

Listing	Size	Revenue (12 mo)	ADR	Occ ≈	Rating	Distance	Links
3 Mi to Dtwn: Blue Ridge Cabin w/ Hot Tub & Views Cabin Hot tub A/C Free parking Wifi +1	3 bd · 2 ba · sleeps 6	$56,614	$223	70%	4.6★ (50)	328 ft	Airbnb Vrbo Booking
American Dream - Cozy Charm with a Fireplace Cabin Hot tub A/C Free parking Wifi +3	3 bd · 2 ba · sleeps 6	$35,621	$226	43%	4.7★ (69)	0.3 mi	Airbnb Vrbo Booking
5 min to DWTN & Lake \| MiniGolf, Arcades, Foosball Cabin Hot tub A/C Free parking Pets OK +7	3 bd · 3 ba · sleeps 10	$78,627	$250	86%	5★ (420)	0.3 mi	Airbnb Vrbo
Cozy home close to the Marina, Lake and Downtown Cottage A/C Free parking Pets OK Wifi +3	3 bd · 2 ba · sleeps 6	$18,385	$151	33%	5★ (62)	0.4 mi	Airbnb Vrbo
Lazy Bear Lodge! Minutes to Downtown Blue Ridge! House Hot tub A/C Free parking Pets OK +3	3 bd · 2 ba · sleeps 6	$37,632	$263	39%	5★ (100)	0.4 mi	Airbnb Vrbo
Cozy Cabin in the Trees Cabin A/C Wifi Kitchen Washer +1	3 bd · 2 ba · sleeps 6	$14,230	$254	15%	5★ (13)	0.5 mi	Airbnb Vrbo
Dream Come True - Views, Hot Tub, Fire Pit House Hot tub A/C Free parking Pets OK +5	3 bd · 3 ba · sleeps 8	$73,868	$403	50%	5★ (37)	0.5 mi	Airbnb Vrbo Booking
Mtn views, fire pit, mins from downtown Blue Ridge Cabin	3 bd · 3 ba · sleeps 6	$6,236	$207	8%	5★ (3)	0.6 mi	Airbnb Vrbo
Blue Ridge Bound! Cabin	3 bd · 3 ba · sleeps 8	$13,498	$420	9%	5★ (147)	0.6 mi	Airbnb Vrbo
Mtn Views • Hot Tub • Treehouse • 2 Mi Town • 7acr Cabin Hot tub A/C Free parking Pets OK +6	3 bd · 3 ba · sleeps 10	$80,460	$292	75%	5★ (119)	0.6 mi	Airbnb Vrbo

Show 8 more

Forest Retreat | Walk to Lake, Hot Tub & Games
Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.6 mi
Revenue $55,097ADR $253Occ ≈ 60%5★ (215)
Airbnb
Fall Apple Picking! Modern home: hot tub/fireplace
House · 3 bd · 3 ba · sleeps 7 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $39,501ADR $262Occ ≈ 41%5★ (68)
Airbnb Vrbo
Authentic Farmhouse On Weaver Creek, Near Town And Lake
House · 3 bd · 1 ba · sleeps 6 · 0.7 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $30,684ADR $110Occ ≈ 76%4.8★ (281)
Vrbo
Incredible Views! Pet Friendly, Hot Tub, Fire Pit
Cabin · 3 bd · 3 ba · sleeps 8 · 0.7 mi
Revenue $89,067ADR $377Occ ≈ 65%5★ (132)
Airbnb Vrbo Booking
Blue Ridge Cabin | Secret Red Room + Hot Tub
House · 3 bd · 2.5 ba · sleeps 6 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +2
Revenue $22,532ADR $582Occ ≈ 11%5★ (17)
Airbnb Vrbo
Secluded Cabin w/Hot Tub, Fireplace, Firepit, Grill, Hiking & King Bed
Cabin · 3 bd · 2 ba · sleeps 8 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $54,791ADR $279Occ ≈ 54%4.9★ (40)
Vrbo
A Blue Ridge Mason Jar | Blue Ridge, GA
Cabin · 3 bd · 2 ba · sleeps 6 · 0.7 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $46,932ADR $335Occ ≈ 38%4.7★ (80)
Airbnb Vrbo
Big Views, Hot Tub & Fenced Yard—Bring Your Pack
Cabin · 3 bd · 3 ba · sleeps 10 · 0.8 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +7
Revenue $38,589ADR $382Occ ≈ 28%5★ (20)
Airbnb Vrbo Booking

Listing	Size	Revenue (12 mo)	ADR	Occ ≈	Rating	Distance	Links
Forest Retreat \| Walk to Lake, Hot Tub & Games Cabin	3 bd · 1.5 ba · sleeps 6	$55,097	$253	60%	5★ (215)	0.6 mi	Airbnb
Fall Apple Picking! Modern home: hot tub/fireplace House Hot tub A/C Free parking Pets OK +6	3 bd · 3 ba · sleeps 7	$39,501	$262	41%	5★ (68)	0.7 mi	Airbnb Vrbo
Authentic Farmhouse On Weaver Creek, Near Town And Lake House A/C Free parking Pets OK Wifi +3	3 bd · 1 ba · sleeps 6	$30,684	$110	76%	4.8★ (281)	0.7 mi	Vrbo
Incredible Views! Pet Friendly, Hot Tub, Fire Pit Cabin	3 bd · 3 ba · sleeps 8	$89,067	$377	65%	5★ (132)	0.7 mi	Airbnb Vrbo Booking
Blue Ridge Cabin \| Secret Red Room + Hot Tub House Hot tub A/C Free parking Wifi +2	3 bd · 2.5 ba · sleeps 6	$22,532	$582	11%	5★ (17)	0.7 mi	Airbnb Vrbo
Secluded Cabin w/Hot Tub, Fireplace, Firepit, Grill, Hiking & King Bed Cabin Hot tub A/C Free parking Pets OK +5	3 bd · 2 ba · sleeps 8	$54,791	$279	54%	4.9★ (40)	0.7 mi	Vrbo
A Blue Ridge Mason Jar \| Blue Ridge, GA Cabin Hot tub A/C Free parking Pets OK +6	3 bd · 2 ba · sleeps 6	$46,932	$335	38%	4.7★ (80)	0.7 mi	Airbnb Vrbo
Big Views, Hot Tub & Fenced Yard—Bring Your Pack Cabin Hot tub A/C Free parking Pets OK +7	3 bd · 3 ba · sleeps 10	$38,589	$382	28%	5★ (20)	0.8 mi	Airbnb Vrbo Booking

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

Purchase priceDown payment %30-yr rate %Already furnishedTax bracketCount tax savings in returnsOnly if you can use the losses (STR loophole)

Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 15) + 0.75% investor premium

Est. revenue

$50,085

NOI

$24,105

Cash flow /mo

-$364

Cash needed

$142,750

Cash-on-cash

-3.1%

ROE (yr 1)

7.7%

Cap rate

5.7%

DSCR

0.85

Year-1 write-off

$87,546

Year-1 tax shield @ 32%

$28,015

Year-1 return on equity

Cash flow (annual)-$4,363
Principal paydown$2,584
Appreciation at%$12,750

ROE7.7%

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)$10,017
Platform fees (3% of revenue)$1,503
Maintenance / capex (5% of revenue)$2,504
Utilities & supplies$4,200
HOA$0
Property tax$3,230
Insurance (STR-rated)$4,526

Cash needed to close

Down payment (25%)$106,250
Closing costs (4.0%)$17,000
Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

Tax shield @ 32%$28,015

No county tax record split for property tax, insurance rate and the land/building split, so those use market defaults — edit the price above; 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

$361,000

Short-life (5/15-yr)

$68,000 · 19%

Year-1 deduction

$88,000

Year-1 tax shield @ 32%

$28,000

Land 15% (market default, no usable tax-record split) · building $294,000 over 39 years · new furniture $20,000

Based on: ~1,900 sq ft (from beds), built 1984, 3 bd / 2 ba, unfurnished, listing features (fireplace, flooring types, appliance list, septic, wooded lot).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $63,000 in year 1 (12% short-life, $20,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$66,300

Kitchen cabinetsdefault
$10,000 new × 40% good × 2.45 allocation
$9,700
Kitchen countertopsdefault
$8,200 new × 40% good × 2.45 allocation
$8,000
Decorative trimdefault
$3,300 new × 40% good × 2.45 allocation
$3,300
Mirrorsdefault
$300 new × 40% good × 2.45 allocation
$300
Shelvingdefault
$1,200 new × 40% good × 2.45 allocation
$1,200
Window coverings (19)default
$4,800 new × 40% good × 2.45 allocation
$4,600
Kitchen & laundry equipment plumbingdefault
$7,800 new × 40% good × 2.45 allocation
$7,600
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 2.45 allocation
$4,600
Appliances (range, microwave, dishwasher, refrigerator, washer, dryer)listing
$7,700 new × 40% good × 2.45 allocation
$7,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
$19,500

15-year land improvements$20,900

Paving: driveway & walks (paved)default
$9,000 new × 50% good × 2.45 allocation
$11,000
Landscaping (minimal)listing
$4,300 new × 50% good × 2.45 allocation
$5,300
Patiosdefault
$1,900 new × 50% good × 2.45 allocation
$2,300
Decks & porches (attached)default
$1,900 new × 50% good × 2.45 allocation
$2,300

Building, 39-year$293,500

Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$206,100 new × 40% good × 2.45 allocation
$201,600
Building plumbing & fixturesdefault
$21,400 new × 40% good × 2.45 allocation
$20,900
Building electrical & lightingdefault
$21,400 new × 40% good × 2.45 allocation
$20,900
HVACdefault
$21,400 new × 40% good × 2.45 allocation
$20,900
Hardwood & tile floorsdefault
$12,200 new × 40% good × 2.45 allocation
$12,000
Fireplacelisting
$2,600 new × 40% good × 2.45 allocation
$2,600
Septic systemlisting
$12,000 new × 50% good × 2.45 allocation
$14,700

About the property

Sold furnishedGame roomHot tubPoolDeckDrivewayLandscapingFencedIrrigationLong-term rental (27.5-yr)Carpet / vinyl / laminate %Placed in serviceClosing costs $ (adds to basis)Land %Bonus depreciation %

Depreciation schedule: typical cost seg study

Year	5-yr	15-yr	Building	Total
1	$66,300	$20,900	$300	$87,500
2	$0	$0	$7,500	$7,500
3	$0	$0	$7,500	$7,500
4	$0	$0	$7,500	$7,500
5	$0	$0	$7,500	$7,500
6+	$0	$0	$263,100	$263,100
Total	$66,300	$20,900	$293,500	$380,700

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.