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

10 Cohutta Overlook Ln

10 Cohutta Overlook Ln

Blue Ridge, GA 30513

$899,000

3 bd · 3 ba · 2,240 sqft · Listed 6d ago

View on Realtor.com →
Negative cash flow

Year built

2021

Sqft

2,240

Lot sqft

92,347

HOA / mo

$67

Furnished

No

List date

2026-11-06T00:14:33.000000Z

Revenue

Annual revenue

$54,281

ADR

$301

Occupancy

49%

Cleaning fees (12 mo)

$11,830

Confidence

Med (57), 49 comps

Comp revenue range (p25 / median / p75)

$32,707$48,366$68,922

Median revenue of shown comps: $50,335

  • Western Sky - Lovely view, hot tub, fire pit, pets

    Cabin · 3 bd · 3 ba · sleeps 8 · 3 ft

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

    Revenue $54,118ADR $286Occ ≈ 52%4.9★ (55)

    AirbnbVrbo

  • Sweet Dreams: Cozy Elegance • HotTub• MtnView • EV

    Cabin · 3 bd · 3.5 ba · sleeps 6 · 249 ft

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +6

    Revenue $75,717ADR $361Occ ≈ 57%4.9★ (35)

    AirbnbVrbo

  • Big Sky Retreat- Pet Friendly, Game Room, Hot Tub

    Cabin · 3 bd · 3 ba · sleeps 10 · 305 ft

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

    Revenue $41,291ADR $381Occ ≈ 30%4.5★ (21)

    AirbnbVrboBooking

  • Newer house-Fenced yard-12 min to downtown BR

    House · 3 bd · 3.5 ba · sleeps 8 · 312 ft

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

    Revenue $21,841ADR $437Occ ≈ 14%5★ (6)

    AirbnbVrbo

  • Stunning Mountain Views! Fireplace &Hot tub, Games

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.1 mi

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

    Revenue $60,114ADR $330Occ ≈ 50%5★ (60)

    AirbnbVrbo

  • Sunrise Peak- Mtn View, Pet Friendly, Hot Tub

    House · 3 bd · 3 ba · sleeps 8 · 0.1 mi

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

    Revenue $86,865ADR $365Occ ≈ 65%4.7★ (6)

    AirbnbVrbo

  • Simply Blessed Cabin

    Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi

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

    Revenue $12,261ADR $238Occ ≈ 14%4.5★ (2)

    Airbnb

  • Sky Ridge - Blue Ridge GA

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.2 mi

    • Hot tub
    • A/C
    • Wifi
    • Kitchen
    • +4

    Revenue $30,419ADR $437Occ ≈ 19%4.5★ (2)

    AirbnbVrbo

  • ⁕New⁕ Serene Forest Views/Hot Tub/Spacious Decks

    Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.2 mi

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

    Revenue $80,782ADR $292Occ ≈ 76%5★ (227)

    AirbnbVrboBooking

  • Sky Ridge - Blue Ridge GA

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.2 mi

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

    Revenue $36,335ADR $443Occ ≈ 22%4.2★ (5)

    AirbnbVrboBooking

Show 35 more
  • Amazing Grace- Panoramic Views, HotTub, Fireplace

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.2 mi

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

    Revenue $55,899ADR $391Occ ≈ 39%4.8★ (25)

    AirbnbVrboBooking

  • Blue Ridge Mountain Majesty

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.2 mi

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

    Revenue $19,260ADR $368Occ ≈ 14%4.6★ (9)

    AirbnbVrboBooking

  • Fall & Christmas Getaways! Top Rated Family Cabin

    Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.3 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +6

    Revenue $79,502ADR $307Occ ≈ 71%5★ (152)

    AirbnbVrboBooking

  • Luxurious, Secluded Cabin, with Gazebo Covered Hot-tub + Amazing View

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.3 mi

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

    Revenue $94,380ADR $372Occ ≈ 70%5★ (337)

    Vrbo

  • The View - Mountain views, fireplace & hot tub!

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi

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

    Revenue $55,959ADR $289Occ ≈ 53%4.6★ (153)

    AirbnbVrboBooking

  • Oak & Ember

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi

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

    Revenue $31,715ADR $370Occ ≈ 23%5★ (4)

    Airbnb

  • Luxury Blue Ridge cabin with long range views!

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.4 mi

    Revenue $73,557ADR $502Occ ≈ 40%5★ (24)

    Delisted

  • Rustic Mountain Cabin w/ Grand Views, Pet Friendly

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi

    Revenue $37,341ADR $198Occ ≈ 52%5★ (86)

    Airbnb

  • Sweet Bear Cabin - Hot Tub Game Room Mountain View

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.4 mi

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

    Revenue $46,009ADR $247Occ ≈ 51%4.8★ (84)

    AirbnbVrboBooking

  • Amazing Hot Tub, Game Room, Kid & Pet Friendly

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi

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

    Revenue $70,673ADR $307Occ ≈ 63%5★ (237)

    AirbnbVrbo

  • Wonderful Life

    Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.4 mi

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

    Revenue $59,264ADR $447Occ ≈ 36%5★ (4)

    Airbnb

  • Modern Cabin w/Outdoor Living - Prime Location

    Cabin · 3 bd · 3.5 ba · sleeps 7 · 0.5 mi

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

    Revenue $43,239ADR $234Occ ≈ 51%4.9★ (68)

    AirbnbVrbo

  • Sunrise Overlook | Blue Ridge, GA

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.5 mi

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

    Revenue $62,608ADR $343Occ ≈ 50%4.9★ (9)

    AirbnbVrbo

  • Long range VIEWS! Hot Tub/dog friendly/pool table

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.5 mi

    Revenue $42,266ADR $383Occ ≈ 30%4.9★ (189)

    Airbnb

  • Stunning sunset MT views~hottub~paved rd~firepit

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.5 mi

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

    Revenue $45,347ADR $293Occ ≈ 42%5★ (20)

    AirbnbVrboBooking

  • Summit Escape

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.5 mi

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

    Revenue $65,856ADR $318Occ ≈ 57%5★ (18)

    AirbnbVrbo

  • Summit Escape - Miles of mountain views!

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.5 mi

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

    Revenue $50,335ADR $270Occ ≈ 51%4.2★ (8)

    VrboBooking

  • Cavalier Cabin -Pet Friendly, Hot Tub, Mtn View

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.5 mi

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

    Revenue $44,480ADR $364Occ ≈ 33%5★ (6)

    AirbnbVrbo

  • Cavalier Cabin

    Vacation home · 3 bd · 3 ba · sleeps 8 · 0.5 mi

    Revenue $40,995ADR $395Occ ≈ 28%—

    Booking

  • 'Endless View' from the Top of Sunrock Mountain

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.6 mi

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

    Revenue $48,366ADR $200Occ ≈ 66%4.8★ (358)

    Vrbo

  • Black Dog of Blue Ridge- Pet Friendly, Fenced Yard

    Cabin · 3 bd · 3.5 ba · sleeps 6 · 0.6 mi

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

    Revenue $86,902ADR $384Occ ≈ 62%4.7★ (73)

    AirbnbVrboBooking

  • Evergreen Bear - Mountain views & hot tub

    Cabin · 3 bd · 2.5 ba · sleeps 10 · 0.6 mi

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

    Revenue $62,393ADR $397Occ ≈ 43%5★ (26)

    AirbnbVrboBooking

  • *Amazing Views* / Outdoor Fireplace / mins to BR

    Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.6 mi

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

    Revenue $32,707ADR $311Occ ≈ 29%5★ (112)

    Airbnb

  • Gorgeous Sunrise Views -Hot Tub, Firepit, Game Rm

    House · 3 bd · 3 ba · sleeps 10 · 0.6 mi

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

    Revenue $68,972ADR $336Occ ≈ 56%5★ (38)

    Airbnb

  • Ultimate Family Escape with Hot Tub, Game Room & Stunning Mountain Views

    House · 3 bd · 3 ba · sleeps 10 · 0.6 mi

    Revenue $19,990ADR $330Occ ≈ 17%5★ (1)

    Delisted

  • Ain't Life Grand -Hot tub, Pool table, Fire pit

    Cabin · 3 bd · 3 ba · sleeps 9 · 0.6 mi

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

    Revenue $46,304ADR $355Occ ≈ 36%4.8★ (23)

    AirbnbVrboBooking

  • Fall Discount! Hot Tub/Game Room/Pool

    Cabin · 3 bd · 3 ba · sleeps 8 · 0.6 mi

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

    Revenue $69,338ADR $301Occ ≈ 63%4.9★ (122)

    AirbnbVrboBooking

  • Blue Ridge Retreat: Relax, Rejuvenate, Explore.

    Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.7 mi

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

    Revenue $48,333ADR $466Occ ≈ 28%5★ (29)

    AirbnbBooking

  • Enjoy fall colors with long range views.

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

    Revenue $67,548ADR $307Occ ≈ 60%4.9★ (289)

    Booking

  • LUXE Chalet Hot tub, Amazing view, 10 min downtown

    Cabin · 3 bd · 3 ba · sleeps 10 · 0.7 mi

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

    Revenue $68,922ADR $343Occ ≈ 55%5★ (44)

    AirbnbVrbo

  • Early Rise - Sunrock Mountain with Game Room,

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.7 mi

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

    Revenue $65,805ADR $314Occ ≈ 57%5★ (5)

    AirbnbBooking

  • Early Rise - Sunrock Mountain

    House · 3 bd · 3 ba · sleeps 6 · 0.7 mi

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

    Revenue $81,844ADR $384Occ ≈ 58%4.8★ (4)

    AirbnbVrbo

  • Serenity

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.7 mi

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

    Revenue $20,559ADR $231Occ ≈ 24%5★ (9)

    Airbnb

  • Gorgeous Blue Ridge Mountain Retreat: Deck + View!

    Vacation home · 3 bd · 3 ba · sleeps 6 · 0.7 mi

    Revenue $30,782ADR $338Occ ≈ 25%5★ (3)

    Booking

  • Gorgeous Blue Ridge Mountain Retreat: Deck + View!

    Cabin · 3 bd · 3 ba · sleeps 6 · 0.7 mi

    Revenue $23,199ADR $255Occ ≈ 25%4.7★ (11)

    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

$54,281

NOI

$23,065

Cash flow /mo

-$2,992

Cash needed

$286,210

Cash-on-cash

-12.5%

ROE (yr 1)

-1.1%

Cap rate

2.6%

DSCR

0.39

Year-1 write-off

$207,920

Year-1 tax shield @ 32%

$66,534

Year-1 return on equity

  • Cash flow (annual)-$35,910
  • Principal paydown$5,711
  • Appreciation at%$26,970
ROE-1.1%

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)$10,856
  • Platform fees (3% of revenue)$1,628
  • Maintenance / capex (5% of revenue)$2,714
  • Utilities & supplies$4,200
  • HOA$804
  • Property tax$1,439
  • Insurance (STR-rated)$9,574

Cash needed to close

  • Down payment (25%)$224,750
  • Closing costs (4.0%)$35,960
  • Furnishing (bought new)$25,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$66,534

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

$870,000

Short-life (5/15-yr)

$182,000 · 21%

Year-1 deduction

$208,000

Year-1 tax shield @ 32%

$67,000

Land 3% (county tax record, market value split) · building $688,000 over 39 years · new furniture $26,000

Based on: 2,240 sq ft, built 2021, 3 bd / 3 ba, unfurnished, listing features (hot tub, 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: $122,000 in year 1 (11% short-life, $39,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$125,800
  • Kitchen cabinetsdefault

    $10,700 new × 80% good × 2.21 allocation

    $19,000
  • Kitchen countertopsdefault

    $8,800 new × 80% good × 2.21 allocation

    $15,500
  • Decorative trimdefault

    $3,900 new × 80% good × 2.21 allocation

    $6,900
  • Mirrorsdefault

    $500 new × 58% good × 2.21 allocation

    $600
  • Shelvingdefault

    $1,200 new × 80% good × 2.21 allocation

    $2,100
  • Window coverings (22)default

    $5,500 new × 50% good × 2.21 allocation

    $6,100
  • Carpet, vinyl & laminate (33% of floors)listing

    $4,800 new × 58% good × 2.21 allocation

    $6,200
  • Kitchen & laundry equipment plumbingdefault

    $8,300 new × 90% good × 2.21 allocation

    $16,600
  • Kitchen, laundry & data equipment electricaldefault

    $5,000 new × 90% good × 2.21 allocation

    $10,000
  • Appliances (range, microwave, dishwasher, refrigerator)listing

    $5,700 new × 58% good × 2.21 allocation

    $7,400
  • Hot tub (freestanding)listing

    $9,000 new × 50% good × 2.21 allocation

    $10,000
  • 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$81,400
  • Paving: driveway & walks (paved)default

    $9,800 new × 80% good × 2.21 allocation

    $17,400
  • Landscaping (minimal)listing

    $4,700 new × 80% good × 2.21 allocation

    $8,400
  • Patiosdefault

    $2,200 new × 80% good × 2.21 allocation

    $3,900
  • Decks & porches (attached)listing

    $25,200 new × 75% good × 2.21 allocation

    $41,800
  • Fencinglisting

    $6,000 new × 75% good × 2.21 allocation

    $10,000
Building, 39-year$688,300
  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $243,100 new × 92% good × 2.21 allocation

    $492,900
  • Building plumbing & fixturesdefault

    $25,200 new × 90% good × 2.21 allocation

    $50,200
  • Building electrical & lightingdefault

    $25,700 new × 90% good × 2.21 allocation

    $51,100
  • HVACdefault

    $25,200 new × 75% good × 2.21 allocation

    $41,900
  • Hardwood & tile floorsdefault

    $9,600 new × 80% good × 2.21 allocation

    $17,000
  • Fireplaces (3)listing

    $7,900 new × 80% good × 2.21 allocation

    $14,000
  • Septic systemlisting

    $12,000 new × 80% good × 2.21 allocation

    $21,200

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$125,800$81,400$700$207,900
2$0$0$17,600$17,600
3$0$0$17,600$17,600
4$0$0$17,600$17,600
5$0$0$17,600$17,600
6+$0$0$616,900$616,900
Total$125,800$81,400$688,300$895,500

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.