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Guides for Smoky Mountain investors
Plain-language articles on financing rental cabins, permits, taxes and building in Sevier County.
DSCR Loans for Smoky Mountain Cabins: How They Work
A DSCR loan approves a rental cabin on the income it produces. How the ratio is calculated for a cabin rented by the night, what counts in the payment in Sevier County, and how to apply.
Short-Term Rental Permits in Gatlinburg, Pigeon Forge, Sevierville and Sevier County
Four jurisdictions, four sets of rules. What a cabin investor should confirm about permits, zoning and fire inspections before buying, and why a lender cares.
Sevier County Property Tax on Rental Cabins and What It Does to Your DSCR
Sevier County taxes most short-term rental cabins at the commercial assessment ratio. What that means for the tax bill, the monthly payment and the size of the loan.
Cash-Out Refinancing a Smoky Mountain Rental Cabin
How investors pull equity out of a rental cabin to buy the next one: loan-to-value limits, how the cabin’s income is counted, and what to have ready.
Building a Rental Cabin in Sevier County: Financing and Planning
What to settle before you buy a lot, how a construction loan is sized, and how the loan converts to long-term financing when the cabin starts taking bookings.
A First-Time Investor’s Guide to Buying a Gatlinburg Rental Cabin
Buying your first rental cabin in the Smokies: what drives income, the costs first-time buyers miss, how the financing works and the order to do things in.
Hard Money Loan Document Checklist
What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.
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