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Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium

1918 Big Creek Rd

1918 Big Creek Rd

Cherry Log, GA 30522

$910,000

3 bd · 2 ba · 2,000 sqft · Listed 3d ago

View on Realtor.com →
Est. land %Negative cash flow

Year built

2025

Sqft

2,000

Lot sqft

108,900

HOA / mo

$0

Furnished

No

List date

2026-10-08T20:26:41.000000Z

Revenue

Annual revenue

$44,138

ADR

$241

Occupancy

50%

Cleaning fees (12 mo)

$8,301

Confidence

Low (43.62), 49 comps

Comp revenue range (p25 / median / p75)

$21,311$38,565$53,239

Median revenue of shown comps: $37,673

  • The Moonrach Shack

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.7 mi

    Revenue $24,713ADR $188Occ ≈ 36%5★ (34)

    AirbnbVrbo

  • REEL MEDICINE

    Cabin · 3 bd · 2 ba · sleeps 6 · 0.9 mi

    Revenue $58,430ADR $346Occ ≈ 46%5★ (1)

    AirbnbVrboBooking

  • Mountain View Peaceful 12 Acres

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.9 mi

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

    Revenue $62,970ADR $313Occ ≈ 55%5★ (171)

    AirbnbVrboBooking

  • Reset Ridge - Mountain view, hot tub, fire pit

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.9 mi

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

    Revenue $101,826ADR $366Occ ≈ 76%5★ (68)

    AirbnbVrbo

  • Breath of Heaven

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.0 mi

    Revenue $72,558ADR $482Occ ≈ 41%4.9★ (82)

    Airbnb

  • Reel Medicine- Cherry Log GA

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.0 mi

    Revenue $6,444ADR $2,115Occ ≈ 1%—

    Airbnb

  • Reel Medicine- Cherry Log GA

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.0 mi

    Revenue $53,629ADR $309Occ ≈ 48%5★ (6)

    AirbnbVrbo

  • Aska Adventure Area - Hot Tub- Sunset Views - Pets

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.0 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $2,454ADR $409Occ ≈ 2%5★ (1)

    AirbnbVrbo

  • Little Creek Cabin - Game Room with Media Space, Outdoor TV Lounge, Hot Tub + Firepit

    Vacation home · 3 bd · 3 ba · sleeps 10 · 1.1 mi

    Revenue $60,273ADR $257Occ ≈ 64%—

    Booking

  • Blue Horizon- Screened in Porch, Fire Pit, Dogs!

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.1 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $51,084ADR $356Occ ≈ 39%4.7★ (30)

    AirbnbVrboBooking

Show 39 more
  • Skyline Lodge- Gated Community, Private, Hot Tub

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.2 mi

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

    Revenue $46,340ADR $304Occ ≈ 42%4.9★ (67)

    AirbnbVrboBooking

  • New! Stunning Views | HotTub | Treehouse | Game Rm

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.2 mi

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

    Revenue $15,281ADR $241Occ ≈ 17%4.9★ (13)

    Airbnb

  • Mountain Melody - Arcade, Close 2 Trails, Hot Tub

    House · 3 bd · 3 ba · sleeps 7 · 1.2 mi

    Revenue $52,067ADR $353Occ ≈ 40%4.2★ (4)

    Airbnb

  • Alta Vista Views Game Room Pet Friendly

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.2 mi

    • A/C
    • Free parking
    • Pets OK
    • Wifi
    • +5

    Revenue $43,194ADR $253Occ ≈ 47%5★ (89)

    AirbnbVrbo

  • Mountain View w/ Hot Tub, Games&Fire Pit&Starlink

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.3 mi

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

    Revenue $39,456ADR $233Occ ≈ 46%5★ (81)

    AirbnbVrbo

  • Outside Fireplace, Pool Table, Hot Tub -Papa Bear

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $54,630ADR $277Occ ≈ 54%4.7★ (19)

    AirbnbVrboBooking

  • Waldhaus- Great Deal! View, Pet Friendly, Hot Tub

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $67,996ADR $299Occ ≈ 62%5★ (53)

    AirbnbVrbo

  • 5 min to Aska Adventure area! Hot Tub + Fireplace

    Cabin · 3 bd · 3 ba · sleeps 7 · 1.3 mi

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

    Revenue $13,953ADR $203Occ ≈ 19%5★ (10)

    AirbnbVrbo

  • Blue Ridge Retreat Near Toccoa River + Hot Tub

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 1.4 mi

    Revenue $7,322ADR $317Occ ≈ 6%5★ (44)

    Airbnb

  • Private Retreat | Hot Tub • Views • Screened Decks

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.4 mi

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

    Revenue $16,872ADR $287Occ ≈ 16%5★ (9)

    AirbnbVrbo

  • Mountain View • Gameroom • Hot Tub • Fire Pit

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.4 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +5

    Revenue $21,480ADR $445Occ ≈ 13%5★ (46)

    Airbnb

  • Not Your Average Bear!

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.4 mi

    Revenue $40,062ADR $207Occ ≈ 53%5★ (43)

    Delisted

  • Creek-Front Cabin w/ Fireplace & Fire Pit

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.4 mi

    Revenue $20,006ADR $191Occ ≈ 29%4.6★ (16)

    AirbnbVrbo

  • Creekside Retreat | Hot Tub, Sauna & Game Room

    House · 3 bd · 3 ba · sleeps 8 · 1.4 mi

    Revenue $1,098ADR $366Occ ≈ 1%—

    Airbnb

  • Not Your Average Bear w/ Hot Tub

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.5 mi

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

    Revenue $16,571ADR $338Occ ≈ 13%4.5★ (2)

    AirbnbVrboBooking

  • Papa Bear's Den - Hot tub, pool table, fire pit

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.5 mi

    Revenue $21,255ADR $262Occ ≈ 22%4.8★ (4)

    AirbnbBooking

  • Big Buck Lodge- Fire Pit, Hot Tub, Outdoor Living

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.5 mi

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

    Revenue $22,499ADR $339Occ ≈ 18%4.7★ (17)

    AirbnbVrboBooking

  • Hidden Hallow - Mtn View, Dogs OK, Hottub, Firepit

    Cabin · 3 bd · 2 ba · sleeps 8 · 1.5 mi

    Revenue $16,044ADR $397Occ ≈ 11%4★ (2)

    AirbnbVrbo

  • Modern | Firepit | HotTub | GameRoom | A+ Location

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.6 mi

    Revenue $46,744ADR $290Occ ≈ 44%4.9★ (110)

    AirbnbBooking

  • Olivers Modern Twist - Cherry Log, GA - Enjoy Peaceful Forest Views, Soak in the Hot Tub, Challenge Friends To A Game of Shuffle

    Vacation home · 3 bd · 2 ba · sleeps 6 · 1.6 mi

    Revenue $64,435ADR $367Occ ≈ 48%—

    Booking

  • Aska's Cozy Corner Cabin

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.6 mi

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

    Revenue $42,654ADR $209Occ ≈ 56%5★ (55)

    AirbnbVrboBooking

  • Aska Escape | Blue Ridge, GA

    Cabin · 3 bd · 3 ba · sleeps 6 · 1.6 mi

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

    Revenue $31,701ADR $336Occ ≈ 26%5★ (12)

    AirbnbVrbo

  • Big Creek Hide Away

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.6 mi

    Revenue $6,766ADR $142Occ ≈ 13%—

    Vrbo

  • Hot Tub • Game Room • Mountain Views • Privacy

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.6 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +6

    Revenue $75,401ADR $280Occ ≈ 74%5★ (182)

    AirbnbVrbo

  • Toccoa Mist - Aska Adventure Area

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.7 mi

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

    Revenue $44,443ADR $240Occ ≈ 51%4.4★ (42)

    AirbnbVrboBooking

  • Rushing River Lodge Toccoa Fishing Tubing Trails

    Cabin · 3 bd · 2 ba · sleeps 8 · 1.7 mi

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

    Revenue $64,246ADR $343Occ ≈ 51%4.9★ (93)

    AirbnbVrbo

  • Four Ridges - hiking right outside of the door!

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.7 mi

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

    Revenue $34,191ADR $250Occ ≈ 37%4.5★ (9)

    AirbnbVrboBooking

  • Pet-Friendly Aska Adventure Cabin

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.8 mi

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

    Revenue $33,189ADR $169Occ ≈ 54%5★ (172)

    AirbnbVrboBooking

  • Aska Retreat - Pet Friendly, Hot Tub, Foosball

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.8 mi

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

    Revenue $37,347ADR $372Occ ≈ 28%4.8★ (20)

    AirbnbVrboBooking

  • Best Blue Ridge Location: Cozy Cabin w/ Hot Tub, Fire Pit & Games

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.8 mi

    Revenue $44,904ADR $286Occ ≈ 43%4.9★ (30)

    Delisted

  • Riversong Lodge on the Upper Toccoa River

    Cabin · 3 bd · 2 ba · sleeps 8 · 1.8 mi

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

    Revenue $33,357ADR $338Occ ≈ 27%5★ (78)

    AirbnbVrbo

  • Wilderness Way- Hot Tub, OD Living, Master on Main

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.8 mi

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

    Revenue $23,886ADR $294Occ ≈ 22%4.8★ (5)

    AirbnbVrboBooking

  • Mins to Toccoa River | Hot Tub, Games, Pets, Views

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.8 mi

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

    Revenue $30,970ADR $232Occ ≈ 37%5★ (31)

    Airbnb

  • Aska Cabin | Fall Mtn Views, Hot Tub & Game Room

    Cabin · 3 bd · 2 ba · sleeps 8 · 1.8 mi

    Revenue $62,907ADR $308Occ ≈ 56%5★ (133)

    Airbnb

  • Blue Ridge | Spring Break | Pet Friendly | Hot Tub

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.9 mi

    Revenue $43,687ADR $312Occ ≈ 38%4.9★ (43)

    Airbnb

  • Bearfoot Bend Cabin in Blue Ridge

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.9 mi

    • Hot tub
    • A/C
    • Pets OK
    • Wifi
    • +4

    Revenue $28,264ADR $275Occ ≈ 28%4.4★ (40)

    AirbnbVrboBooking

  • 'Long Pine Ridge' Cabin w/ Luxury Amenities!

    Cabin · 3 bd · 3 ba · sleeps 8 · 1.9 mi

    Revenue $37,673ADR $369Occ ≈ 28%4.7★ (43)

    AirbnbBooking

  • 3BR Cabin Near Toccoa River | Heart of Aska!

    Cabin · 3 bd · 3 ba · sleeps 10 · 1.9 mi

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

    Revenue $17,750ADR $223Occ ≈ 22%5★ (9)

    AirbnbVrbo

  • Yogi’s Escape | Hot Tub + Game Room + Mtn Views

    Cabin · 3 bd · 2 ba · sleeps 6 · 1.9 mi

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

    Revenue $44,806ADR $298Occ ≈ 41%4.9★ (46)

    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

Financing
Management
Term

Rate 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium

Est. revenue

$44,138

NOI

$15,276

Cash flow /mo

-$3,807

Cash needed

$289,400

Cash-on-cash

-15.8%

ROE (yr 1)

-4.4%

Cap rate

1.7%

DSCR

0.25

Year-1 write-off

$210,742

Year-1 tax shield @ 32%

$67,438

Year-1 return on equity

  • Cash flow (annual)-$45,678
  • Principal paydown$5,534
  • Appreciation at%$27,300
ROE-4.4%

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)$8,828
  • Platform fees (3% of revenue)$1,324
  • Maintenance / capex (5% of revenue)$2,207
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$2,612
  • Insurance (STR-rated)$9,692

Cash needed to close

  • Down payment (25%)$227,500
  • Closing costs (4.0%)$36,400
  • Furnishing (bought new)$25,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$67,438

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

$774,000

Short-life (5/15-yr)

$185,000 · 24%

Year-1 deduction

$211,000

Year-1 tax shield @ 32%

$67,000

Land 15% (market default, no usable tax-record split) · building $589,000 over 39 years · new furniture $26,000

Based on: 2,000 sq ft, built 2025, 3 bd / 2 ba, unfurnished, listing features (deck, patio, game room, fireplace, flooring types, appliance list, septic).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $128,000 in year 1 (13% short-life, $41,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$111,100
  • Kitchen cabinetsdefault

    $10,200 new × 96% good × 1.90 allocation

    $18,500
  • Kitchen countertopsdefault

    $8,300 new × 96% good × 1.90 allocation

    $15,200
  • Decorative trimdefault

    $3,500 new × 96% good × 1.90 allocation

    $6,400
  • Mirrorsdefault

    $300 new × 92% good × 1.90 allocation

    $500
  • Shelvingdefault

    $1,200 new × 96% good × 1.90 allocation

    $2,200
  • Window coverings (20)default

    $5,000 new × 90% good × 1.90 allocation

    $8,500
  • Kitchen & laundry equipment plumbingdefault

    $7,900 new × 98% good × 1.90 allocation

    $14,700
  • Kitchen, laundry & data equipment electricaldefault

    $4,800 new × 98% good × 1.90 allocation

    $8,900
  • Appliances (range, microwave, dishwasher, disposal, refrigerator)listing

    $6,100 new × 92% good × 1.90 allocation

    $10,600
  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
  • Game-room equipment bought newlisting

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

    $6,000
15-year land improvements$99,100
  • Paving: driveway & walks (paved)listing

    $9,300 new × 96% good × 1.90 allocation

    $16,900
  • Landscaping (typical)default

    $8,900 new × 96% good × 1.90 allocation

    $16,200
  • Patioslisting

    $9,000 new × 96% good × 1.90 allocation

    $16,400
  • Decks & porches (attached)listing

    $22,500 new × 95% good × 1.90 allocation

    $40,500
  • Gazebo / pergolalisting

    $5,000 new × 95% good × 1.90 allocation

    $9,000
Building, 39-year$588,900
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $217,000 new × 98% good × 1.90 allocation

    $404,700
  • Building plumbing & fixturesdefault

    $22,500 new × 98% good × 1.90 allocation

    $41,800
  • Building electrical & lightingdefault

    $22,600 new × 98% good × 1.90 allocation

    $42,000
  • HVACdefault

    $22,500 new × 95% good × 1.90 allocation

    $40,600
  • Hardwood & tile floorsdefault

    $12,900 new × 96% good × 1.90 allocation

    $23,400
  • Fireplaces (3)listing

    $7,900 new × 96% good × 1.90 allocation

    $14,400
  • Septic systemlisting

    $12,000 new × 96% good × 1.90 allocation

    $21,800

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$111,100$99,100$600$210,700
2$0$0$15,100$15,100
3$0$0$15,100$15,100
4$0$0$15,100$15,100
5$0$0$15,100$15,100
6+$0$0$527,900$527,900
Total$111,100$99,100$588,900$799,000

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.