Ownership Calculator
Who knew a luxury cabin near America's most visited national park could save you this much in taxes, and earn when you're not there?
Possible 2026 tax savings: $77,834
Possible 2026 tax savings
Plus home value growth, your cabin could build about $549,598 in 10 years. Change the price or tax bracket 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.
Add your income to set your bracket for you and see a more realistic savings number. Never shared.
3. Possible 2026 tax savings
$77,834
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 30, 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
Includes the $77,834 above, plus about $39,545 more in later years
Appreciation plus tax gain
Where your $549,598 comes from
Home value growth: $432,220 (79%)
What the cabin itself could gain if it grows 4% a year for 10 years. You get this when you sell.
Possible tax savings: $117,378 (21%)
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 $117,378 in taxes over those 10 years. Together that's roughly $549,598.
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
$19,615
Possible yearly tax savings
$6,277
With cost segregation + bonus depreciation
This estimate applies bonus depreciation to about 30% of the building, the share a cost segregation study typically finds in a furnished cabin. The rest is written off over 39 years. Confirm with your CPA.
Building value written off in year one
$243,231
Building value = $900,000 price minus 15% land ($135,000)
Possible year-one tax savings
$77,834
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 15% land. Tap a cell to use it.
| Bracket | 85% bldg |
|---|---|
| 32% | |
| 35% | |
| 37% |
Rough estimate only, not tax advice. The yearly figure uses standard depreciation over 39 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