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Prospect analysisArchived

Gatlinburg Riverfront Modern Cabin

Asking$1,299,000

Gatlinburg, TN

Gatlinburg · 5 bd · 6 ba · 2,304 sq ft · Built 2020

Underwritten as a short-term rental

Turnkey 5-bedroom riverfront cabin in Gatlinburg with strong historical STR performance and high projected cash-on-cash returns.

This 2020-built property offers direct river access, modern amenities, and a proven track record on major STR platforms. Underwriting metrics indicate high cash flow potential, though returns are sensitive to occupancy and nightly rate assumptions.

Est. ADR
$809
Est. occupancy
67%
Gross rev / mo
$16,487
Cash-on-cash
27.1%

Airfolio market estimates · 20% down · detail in the underwriting panel.

Investment thesis

This property is well-positioned for short-term rental investors seeking a high-yield, low-maintenance asset in a prime Gatlinburg location. The combination of riverfront access, modern construction, and consistent guest demand (as evidenced by strong reviews and repeat bookings) supports the income projections. The underwriting model, based on a 67% occupancy rate and $809 ADR, suggests robust cash-on-cash returns, making this suitable for investors prioritizing income and operational simplicity. The primary caveat is that returns are highly dependent on maintaining current occupancy and rate levels in a competitive market.

Highlights

  • 5 bedrooms and 6 bathrooms, accommodating up to 10 guests
  • Built in 2020 with modern finishes and reinforced upper deck
  • Direct riverfront access with private backyard amenities
  • Hot tub, EV charger, and updated outdoor furniture
  • Consistent 4.9-star Airbnb rating with 161 reviews
  • Turnkey and fully furnished, ready for immediate rental
  • Parking for up to 4 vehicles
  • Annual city and fire code inspections maintained

Risks

STR permitting: verify local ordinance and zoning allow short-term rental at this address before offering. Not verified.
STR regulations and licensing requirements should be verified for ongoing compliance
Returns are sensitive to occupancy and ADR assumptions; market competition may impact future performance
Higher price point limits buyer pool and exit liquidity
Operational risk if self-managing versus using a professional property manager
Potential for seasonal demand swings in Gatlinburg's tourism-driven market

Market

Gatlinburg, TN is a well-established short-term rental market, driven by year-round tourism and proximity to the Smoky Mountains. Modern, larger cabins with strong guest amenities are in demand, and this property’s riverfront location and high guest ratings position it competitively. The market remains attractive for STR investors, though ongoing regulatory and competitive pressures warrant monitoring.

Neighborhood

The property is located just minutes from downtown Gatlinburg, offering guests convenient access to local attractions while providing a private, scenic riverfront setting. The area is characterized by a mix of vacation rentals and residential homes, appealing to families and groups seeking both relaxation and proximity to entertainment. Conclusions about neighborhood-specific demand are high-confidence given the property’s review history and location.

Underwriting notes

At a $1,299,000 purchase price, underwriting projects a monthly expected income of $16,487 and cash flow of $5,865, assuming a 67% occupancy rate and $809 ADR. The model uses a 20% down payment, 6.4% interest rate, and 25% expense ratio, resulting in a projected 27.1% cash-on-cash return. These figures are high-confidence, but are sensitive to occupancy and nightly rate performance; investors should confirm that historical trends are sustainable and that expense assumptions align with actual operating costs.

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Figures are Airfolio market estimates modeled from listing, record, and market data, not investment advice · Analysis Sep 17, 2026.
Airfolio is a product of Trusty Labs, Inc. · CA DRE #01527508

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Airfolio is a product of Trusty Labs, Inc., a licensed California real estate brokerage · CA DRE #01527508. Concierge introductions to agents, lenders, and property managers are referrals, and Trusty Labs may receive referral fees. Revenue and return figures are Airfolio market estimates from public records, listing data, and market modeling, not offers, appraisals, or investment advice. Verify all figures independently.
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