Ownership Calculator
Your cabin could build about $705,820 in 10 years
Home value growth plus possible tax savings. Change the price or growth and it updates instantly.
Bonus depreciation rules can change. Ask your CPA what applies to a 2026 purchase.
Saving on 2026 taxes? Enter a price and your tax bracket below.
3. Possible 2026 tax savings
$273,600
Estimate for a cabin bought and ready for guests in 2026, using bonus depreciation at your 32% bracket. Not tax advice; your CPA must confirm if you qualify.
Want this for 2026? Our target is to close before November 15, so there's time to get the cabin ready for guests by year end.
Your estimated 10-year results
Home value growth at 4% a year
Same savings shown above, not extra
Appreciation plus tax gain
Where your $705,820 comes from
Home value growth: $432,220 (61%)
What the cabin itself could gain if it grows 4% a year for 10 years. You get this when you sell.
Possible tax savings: $273,600 (39%)
Taxes you might not pay by writing off the building's value (bonus depreciation, 32% bracket). Mostly lands in year one.
What this means
If you buy a property for $900,000 and it grows 4% a year, it could be worth about $1,332,220 in 10 years, a gain of about $432,220. If you're in the 32% tax bracket and qualify for bonus depreciation, you could save about $273,600 in taxes over those 10 years. Together that's roughly $705,820.
Estimates only. Growth is an assumption, not a forecast. Tax savings depend on your situation and depreciation may be taxed back (recaptured) when you sell. Confirm with your CPA.
Adjust your tax savings
Yearly depreciation
$31,091
Possible yearly tax savings
$9,949
With cost segregation + bonus depreciation
This estimate applies bonus depreciation to the full building value in year one. In practice, a cost segregation study decides how much actually qualifies, so confirm with your CPA.
Building value written off in year one
$855,000
Building value = $900,000 price minus 5% land ($45,000)
Possible year-one tax savings
$273,600
Rough estimate only, not tax advice. Year one only; later years' write-offs are smaller. Whether you can use these losses against other income depends on things like average guest stay, how involved you are, your income and current tax law. A cost segregation study costs money. Confirm everything with your CPA.
Compare tax brackets
Possible yearly tax savings on $900,000. Assumes 5% land. Tap a cell to use it.
| Bracket | 95% bldg |
|---|---|
| 32% | |
| 35% | |
| 37% |
Rough estimate only, not tax advice. The yearly figure uses standard depreciation over 27.5 years; the cost segregation + bonus figure above is a separate year-one estimate. Whether you can use these savings depends on how you use the property, how involved you are and your income. Confirm with your CPA before relying on it.
Common questions
What if it loses money each month?
Many cabins run slightly negative on cash flow with 20% down. The gain often comes from growth and taxes instead. We'll show you the real rent numbers before you decide.
Who takes care of it?
Most owners hire a local manager who handles guests, cleaning and repairs, usually for 20–30% of rental income. We can introduce you to managers we trust.
Can I sell it later?
Yes. Smoky Mountain cabins sell year-round. Plan for selling costs of about 7%, which these estimates do not subtract. We'll help you plan your exit up front.
- $171M+ personally closed
- Licensed broker, eXp Realty Luxury
- We build, operate & sell Smoky Mountain cabins