Rarity Bay STR Program — Timbertop Growth Investment Fund
Timbertop Growth Investment Fund · Reg D 506(c) · QOZ Eligible

Rarity Bay Short-Term Rental Program

Tellico Lake, Tennessee — Lock & Leave Portfolio Offering

A structured equity program inviting rental operators, institutional investors, and family offices to acquire doors across four unit classes — single-family homes, condominiums, townhouses, and multi-family apartments — deployed in three phases across five defined community districts on one of Tennessee's premier lakefront resorts.

800+
Total STR-Eligible Doors
$58K
Avg Annual Revenue / Door
25%
Mgmt Fee / Gross Rents
~$80M
Instant Equity Cushion

The Lock & Leave Platform

Timbertop Land Company, as Perpetual Declarant of Rarity Bay Resort & Community, operates a professional STR management platform across all residential unit types. Equity partners deploy capital in exchange for doors — and those doors generate managed rental income from Day 1 of ownership.

Why this works: Rarity Bay sits 30 miles from Knoxville, within 2–3 hours of Nashville, Atlanta, and Asheville. Tennessee's no-income-tax status, championship golf, 200-slip marina, and Tellico Lake access create year-round STR demand far above typical resort markets.
Reg D 506(c) QOZ Eligible Accredited Investors Only Perpetual Declarant Control
🏡

Single-Family Homes

Custom lakefront and fairway residences. Highest per-night rate. Premium revenue per door. Ideal for family office operators seeking trophy assets.

🏙️

Condominiums

The Pointe & The Bluffs — 200+ luxury lakefront units. Best cap rate per dollar invested. High enrollment rate into STR program.

🏘️

Townhouses

Village-edge attached product. Lower entry price point, consistent occupancy, ideal for rental company bulk acquisitions by door count.

🏢

Apartments / Multi-Family

Future-phase workforce & resort-staff adjacent units. Revenue-share model. Supports 150+ permanent resort employees and seasonal workers.

01
Partner Acquires Doors
Equity partner purchases units or invests in the STR fund tranche corresponding to their district and phase target. Units issued per dollar deployed.
02
TGIF Manages & Markets
Timbertop Land Company (Declarant) handles all listing, housekeeping, maintenance, pricing strategy, and guest relations under POA authority.
03
Revenue Distributed Monthly
Gross rental income less 25% management fee flows to equity partner. No hidden costs. Net 15-day payment terms from invoice approval.
04
Portfolio Grows With Community
As lot sales close and new owners enroll, the STR pool deepens — increasing program value and occupancy rates without new capital deployment.

Five Districts. One Master-Planned Resort.

Each district within Rarity Bay has distinct character, unit mix, pricing, and STR performance profile. Equity partners may invest in a single district or across the full portfolio.

District 01 · Premier Tier

Waterfront District

The crown jewel of Rarity Bay — direct Tellico Lake frontage with private dock access, beach club proximity, and unobstructed water views. The highest-demand, highest-rate STR district in the portfolio. Single-family lakefront homes and luxury condominiums in The Pointe building drive this district's revenue per door above any comparable East Tennessee market. Demand anchored by Knoxville drive-to traffic, corporate retreats, golf tournament overflow, and 200-slip marina guests who arrive by water and book lakeside stays.

Waterfront Premiums Marina Access Highest RevPAR
Total STR Doors~200
Avg Nightly Rate$425–$950
Target Occupancy68–74%
Avg Annual Rev / Door~$72,000
Primary PhasePhase 1 & 2
🏡The Harbormaster Estate
Door Count40 homes
Lot Price$450K–$525K
Home Value (built)$850K–$1.2M
Avg STR Annual Rev~$98,000
Mgmt Fee (25%)~$22,000
Peak Season Rate$650–$875/night
🏙️The Pointe Condominiums
Door Count30 units (Phase 2)
Unit Price$850–$1.1M
Avg STR Annual Rev~$68,000
Mgmt Fee (25%)~$15,500
Occupancy Target72%
Enrollment Rate Est.85%+
🏘️The Slip & Shore Villas
Door Count~30 units
Unit Price$550K–$750K
Avg STR Annual Rev~$58,000
Mgmt Fee (25%)~$14,500
Best ForBulk Door Acquisition
PhasePhase 2
District 02 · Golf Tier

Fairway District

Championship 18-hole golf frontage with mountain and lake views. Interior homesites command premium over non-amenity markets while offering meaningful entry-price advantages versus Waterfront. Fairway District drives consistent STR demand from golf tournament participants, couples' getaways, and corporate group outings. Golf membership presale loop means Fairway residents are already engaged buyers — high STR enrollment expected.

Golf-Front Premium Mountain Views Corporate Retreat Demand
Total STR Doors~180
Avg Nightly Rate$285–$525
Target Occupancy62–68%
Avg Annual Rev / Door~$58,000
Primary PhasePhase 2
🏡Golf-Front Single-Family
Door Count60 homes
Lot Price$150K–$200K
Home Value (built)$500K–$800K
Avg STR Annual Rev~$65,000
Mgmt Fee (25%)~$16,250
Peak Season Rate$375–$575/night
🏙️Fairway Condominiums
Door Count~40 units
Unit Price$380K–$550K
Avg STR Annual Rev~$46,000
Mgmt Fee (25%)~$11,500
Occupancy Target66%
PhasePhase 2–3
🏘️Golf Village Townhouses
Door Count~50 units
Unit Price$320K–$450K
Avg STR Annual Rev~$42,000
Mgmt Fee (25%)~$10,500
Best ForRental Company Volume
Min. Block Purchase10 doors
District 03 · Community Core

Village District

The walkable heart of Rarity Bay — adjacent to the retail village, restaurant row, wellness center, and the resort inn. Village District townhouses and apartments deliver the community's most accessible price points while benefiting from the highest walkability and year-round amenity access. Ideal for medium-term rental operators and companies targeting resort-staff housing. Multi-family units debut here in Phase 3.

Highest Walkability Retail & Dining Access Best Entry Price
Total STR Doors~160
Avg Nightly Rate$185–$325
Target Occupancy65–72%
Avg Annual Rev / Door~$44,000
Primary PhasePhase 3
🏘️Village Townhouses
Door Count~60 units
Unit Price$280K–$380K
Avg STR Annual Rev~$46,000
Mgmt Fee (25%)~$11,500
Best ForVolume / Door Count
PhasePhase 3
🏢Village Apartments
Door Count~60 units
Unit Price (rental basis)$1,800–$2,600/mo
Avg Annual Rev / Door~$28,000
Rev Share to Partner75% net income
Target TenantsResort Staff + Seasonal
PhasePhase 3
🏙️Village Condos
Door Count~40 units
Unit Price$295K–$425K
Avg STR Annual Rev~$38,000
Mgmt Fee (25%)~$9,500
PhasePhase 3
Min. Investment$250K (Class C)
District 04 · Premium Reserve

The Bluffs

Elevated estate-style lots and the second luxury condominium building — The Bluffs — positioned for maximum view corridors overlooking Tellico Lake and the Great Smoky Mountains. 2-acre+ parcels anchor the estate tier. The Bluffs condo building (Phase 3, 20 units) commands $900/SF pricing at delivery. This district targets ultra-high-net-worth buyers and QOZ investors seeking appreciating physical assets with premium STR income characteristics.

Estate Tier Mountain + Lake Views QOZ Prime
Total STR Doors~80
Avg Nightly Rate$525–$1,200
Target Occupancy55–65%
Avg Annual Rev / Door~$92,000
Primary PhasePhase 3
🏡Estate Single-Family
Door Count20 estate lots
Lot Price$300K–$500K
Home Value (built)$1.2M–$2.5M
Avg STR Annual Rev~$118,000
Mgmt Fee (25%)~$29,500
Peak Rate$900–$1,200/night
🏙️The Bluffs Condominiums
Door Count20 units (Phase 3)
Unit Price$900/SF · $1.1M–$1.5M
Avg STR Annual Rev~$72,000
Mgmt Fee (25%)~$18,000
Occupancy Target62%
QOZ 10-Year UpsideTax-Free Appreciation
District 05 · Nature Reserve

Ridge & Reserve

The most private, wooded section of Rarity Bay — backing up to the 300+ undeveloped reserve acres. French Country single-family homes and attached townhome clusters. Lower density, higher privacy. Attracts a distinct STR guest profile — nature seekers, hiking-oriented families, and remote workers seeking extended stays. Extended stay occupancy patterns (7-night+ minimums) drive stronger weekly revenue per booking and reduced housekeeping costs, improving net yield.

Nature/Eco Premium Extended Stays Lowest Acquisition Cost
Total STR Doors~180
Avg Nightly Rate$195–$395
Target Occupancy60–68%
Avg Annual Rev / Door~$48,000
Primary PhasePhase 2 & 3
🏡Ridge Chateau Homes
Door Count~60 homes
Lot Price$120K–$175K
Home Value (built)$350K–$550K
Avg STR Annual Rev~$52,000
Mgmt Fee (25%)~$13,000
Avg Stay Length5–9 nights
🏘️Reserve Townhouses
Door Count~80 units
Unit Price$240K–$320K
Avg STR Annual Rev~$44,000
Mgmt Fee (25%)~$11,000
Best ForHigh-Volume Operators
Min. Block Purchase20 doors
🏢Reserve Apartments
Door Count~40 units
Monthly Rent$1,600–$2,200/mo
Avg Annual Rev / Door~$24,000
Rev Share to Partner75% net income
Target TenantsExtended Stay / Remote
PhasePhase 3

40 Lots Along the 18-Hole Championship Course

The PPM identifies 40 golf course lots (0.4–0.6 acres each, $180K–$220K lot pricing) distributed along fairways and green-side positions throughout all 18 holes. These are among the most sought-after STR floor plans in resort markets — guests prioritize golf cart access, morning view corridors, and proximity to the clubhouse. Below are the four most popular home sizes proven in active golf resort STR markets, sized for the 0.4–0.6 acre lots available.

Lot Distribution — All 18 Holes

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

~2–3 lots per fairway hole; par-3 holes (3, 6, 9, 12, 16) carry reduced lot density. Holes 17 & 18 (finishing holes nearest the clubhouse) command up to 15% premium above course average.

~2–3 SFR lots per fairway hole
Par-3 holes — 1 lot max

Total Golf Course Lots

40 lots

$180K–$220K / lot · Phase 2 & 3
Lot size: 0.4–0.6 acres · Cart-to-clubhouse access

Most Popular STR Floor Plans for Golf Course Lots

Sized to fit 0.4–0.6 acre lots. Based on STR demand data from comparable golf resort markets. All plans include golf cart garage.

Master Suite w/ Golf View
BR 2
BR 3
Open Living / Dining / Kitchen
Covered Porch
Golf Cart Garage
Living Area1,800 SF
Build Cost Est.$360K–$450K
Total Investment (lot+build)$560K–$670K
Avg Nightly Rate$285–$395/night
Target Occupancy68%
Est. Annual Gross Rev~$58,000
TGIF Mgmt Fee (25%)~$14,500
Owner Net Annual~$43,500
Best for: Couples + family groups of 6. Weekend golf getaways, birthday trips, corporate 2-some pairings. Most booked floor plan at comparable Tennessee golf resort STR programs.
🏆 Highest Revenue / Door
The Eagle
2,400 SF
4BD / 3BA
Master Suite — Fairway View
BR 2 En-Suite
BR 3
BR 4 / Flex
Great Room + Fireplace
Screened Lanai
2-Car + Cart Garage
Wet Bar
Living Area2,400 SF
Build Cost Est.$480K–$620K
Total Investment (lot+build)$680K–$840K
Avg Nightly Rate$385–$525/night
Target Occupancy65%
Est. Annual Gross Rev~$78,000
TGIF Mgmt Fee (25%)~$19,500
Owner Net Annual~$58,500
Best for: Golf foursomes, family reunions, corporate retreat groups of 8–10. Wet bar + screened lanai creates premium experience. 4-BD unlocks a price tier that 3-BD cannot reach.
👑 Premium / Estate Tier
The Albatross
3,200 SF
5BD / 4BA
Primary Suite — Golf + Lake View
BR 2 En-Suite
BR 3 En-Suite
BR 4
BR 5 / Bunkroom
Chef's Kitchen + Great Room
Game / Media Room
Outdoor Kitchen + Pool
Living Area3,200 SF
Build Cost Est.$660K–$850K
Total Investment (lot+build)$860K–$1.07M
Avg Nightly Rate$525–$750/night
Target Occupancy60%
Est. Annual Gross Rev~$98,000
TGIF Mgmt Fee (25%)~$24,500
Owner Net Annual~$73,500
Best for: Extended family golf vacations (10–12 guests), corporate golf events, multi-couple group trips. Pool + outdoor kitchen drive premium nightly rates. Best absolute revenue per door on the course.
Master Suite — Green View
BR 2 / Guest Suite
Open Plan Living + Kitchen
Covered Porch
Golf Cart Bay
Living Area1,200 SF
Build Cost Est.$228K–$300K
Total Investment (lot+build)$428K–$520K
Avg Nightly Rate$215–$295/night
Target Occupancy72%
Est. Annual Gross Rev~$48,000
TGIF Mgmt Fee (25%)~$12,000
Owner Net Annual~$36,000
Best for: Romantic getaways, solo golfer + spouse, anniversary trips. Lowest acquisition cost = strongest cap rate. Highest occupancy rate of all four plans.

Golf Course SFR Portfolio — Blended STR Summary (40 Lots)

Floor PlanSFBeds/BathLot MixTotal InvestmentGross Rev/DoorTGIF FeeOwner Net
The Birdie (3/2)1,8003BD/2BA14 lots (35%)$560K–$670K$58,000$14,500$43,500
The Eagle (4/3)2,4004BD/3BA12 lots (30%)$680K–$840K$78,000$19,500$58,500
The Albatross (5/4)3,2005BD/4BA8 lots (20%)$860K–$1.07M$98,000$24,500$73,500
English Tudor (2/2)1,2002BD/2BA6 lots (15%)$428K–$520K$48,000$12,000$36,000
Blended Average (40 lots)~2,0503.7BD avg40 lots~$680K avg~$70,500~$17,625~$52,875
Golf Course SFR Program (40 doors, stabilized): ~$2.82M/year gross · ~$705K/year in TGIF management fees · ~$2.1M/year net to equity partners. All homes include golf cart garage and direct cart-path access. Build timeline: 10–14 months from lot closing. Floor plan mix is illustrative; actual construction is owner-directed within DRB guidelines.

Three Phases. Self-Liquidating Capital Model.

TGIF's self-liquidating development model means equity capital is recycled within 10–12 months — reducing risk and compounding returns across each phase. STR program equity partners can enter at Phase 1 pricing and hold through the full portfolio build-out.

1
Mo. 1–24
Close Q2 2026
Phase 1 — Foundation & Waterfront Premium

Establish market presence, activate the STR platform, and deploy the highest-value Waterfront District inventory. The Lock & Leave program is documented with the POA at Month 3 CCR recording. Golf renovation drives charter memberships and first-mover STR demand.

STR Units Activating

  • 40 Waterfront single-family homes (District 1)
  • 2 Model/spec homes (STR showcase)
  • Golf & Marina immediately operational
  • Beach Club STR amenity access live

STR Revenue Targets

  • Year 1: 50 enrolled units → $687,500 mgmt fees
  • Avg rev/door: ~$55K (blended)
  • Total Phase 1 STR revenue: ~$1.4M
  • Investor capital: $34.5M deployed
2
Mo. 13–30
Q3 2027 Launch
Phase 2 — Volume & Velocity

Scale STR program enrollment as The Pointe condo deliveries begin, Fairway District inventory releases, and Resort Inn opens (Month 14). STR management team fully staffed. Enrollment grows from 50 to 125 units. Phase 2 funded entirely from Phase 1 lot sales — no new investor capital required.

STR Units Activating

  • 30 The Pointe condos delivered (District 1)
  • 60 Fairway interior homes (District 2)
  • 20 Golf course lots releasing (District 2)
  • ~50 Fairway & Ridge townhouses
  • Resort Inn opens Month 14

STR Revenue Targets

  • Year 2: 125 enrolled → $1.72M mgmt fees
  • Phase 2 investment: $40M from sales proceeds
  • Blended Phase 2 STR Rev: ~$6.9M gross
  • $180M+ in total Phase 2 sales unlocked
3
Mo. 25–36
Q3 2028 Launch
Phase 3 — Completion & Portfolio Stabilization

Full STR program stabilization at 200+ enrolled units. The Bluffs condo building delivers, Village & Reserve districts launch, and multi-family apartment blocks activate. Remaining 20 golf course lots release. Phase 3 funded entirely from Phases 1 & 2 proceeds.

STR Units Activating

  • 20 The Bluffs condos (District 4)
  • 20 Remaining golf course lots
  • 20 Estate lots — District 4
  • ~160 Village & Reserve units
  • 100+ Apartment units (Districts 3 & 5)

STR Revenue Targets

  • Year 3 stabilized: 200+ enrolled
  • Annual mgmt fees: $2.75M+
  • Years 5–7 program scale: $15M–$39M/yr
  • Phase 3 final sales: $395M+

Three Ways to Partner on Doors

Equity partners may structure their participation as pure investors, active rental operators, or strategic suppliers. Each model is designed to align incentives with the number of doors deployed and the type of operating relationship desired.

Revenue Share Operator

Designed for existing rental companies, regional STR operators, and property management firms looking to deploy capital into a managed resort portfolio. Partner acquires doors, TGIF handles all operations, and 75% of net rental income flows back to the partner monthly.

Partner deploys capital → acquires doors → receives 75% of net rental income monthly. TGIF manages all guest relations, housekeeping, maintenance, and pricing strategy under Declarant authority. Dual-role as Class D preferred equity investor and preferred vendor simultaneously possible.
Class D Eligible QOZ 10-Year Hold Net 7–15 Day Payments Any / All Districts
Key Terms
Minimum Doors10 doors
Capital Commitment$500K min (Class D)
Preferred Return7% cumulative
Rental Revenue Share75% of net rents
TGIF Mgmt Fee25% of gross rents
District AccessAny / All Districts
Payment TermsNet 7–15 days
Profit Participation70% pro rata after pref
QOZ EligibleYes — 10-Year Hold

Golf SFR Example

10 Eagle (4BD) doors on the fairway → $780K gross annual → $585,000 to partner / $195,000 to TGIF. Total investment: ~$7.4M. Gross yield: ~10.5%. Net to partner: ~7.9% before lot appreciation and QOZ gains.

Preferred Return Passive

For family offices, UHNW individuals, and institutional capital seeking exposure to the Rarity Bay STR program without any operational involvement. Investors participate in the fund waterfall — preferred return is paid before profit sharing, and STR management fee income flows as a recurring revenue stream.

No operational role required. Preferred return (7%–10% depending on series) is paid before any profit sharing distributions. QOZ investors in Class C or D who hold 10+ years receive tax-free appreciation on the full investment.
Series A1 / A2 / C / D QOZ — Zero Tax at 10 Yr No Operational Role
Series Comparison
Series A1 — Min $100K10% preferred
Series A2 — Min $150K9% preferred
Class C — Min $250K8% preferred
Class D — Min $500K7% preferred
STR Income AllocationPro rata units held
Profit Participation70% pro rata after pref
Hold Period36–120 months
36-Mo IRR (A1)18.5%
60-Mo IRR (A2)22%
QOZ 10-Yr After-Tax IRR35%+ (tax-free)

District Joint Venture

For national STR platforms, institutional real estate firms, and branded rental operators seeking a significant position in a defined district. A JV LLC is structured per district, with the partner bringing distribution, branding, and operational infrastructure while TGIF maintains Declarant authority and development management.

TGIF evaluates JV partners — not simply accepts them. Partners are selected based on their ability to add distribution, branding, and operational credibility to the resort. TGIF maintains perpetual Declarant rights and POA control regardless of JV structure.
$5M+ Per District 50+ Doors Minimum Co-Brand Eligible Negotiated Equity Split
JV Structure Overview
Entity StructureJV LLC per District
Partner OwnershipNegotiated (40–60%)
TGIF OwnershipNegotiated (40–60%)
Minimum Doors50 doors / district
Min. Capital$5M+ per district
TGIF RoleDeclarant + Dev Manager
Partner RoleSTR Brand + Distribution
Revenue SplitNegotiated by district
Branding RightsCo-brand eligible
Declarant RightsTGIF — Perpetual

$55,000 Gross Annual Revenue Per Enrolled Unit (Blended)

75% Owner
25% TGIF
$41,250 — Net to Property Owner / Equity Partner
$13,750 — TGIF Management Fee (fund income)

Program Scale — Fund Income

Enrolled UnitsAnnual Mgmt Fees
50 (Year 1)$687,500
125 (Year 2)$1,718,750
200 (Year 3+)$2,750,000
500 (Year 5)$6,875,000
800+ (Full)$11,000,000+

STR Program Revenue by District & Phase

Projections are based on TGIF's February 2026 pro forma model. Figures reflect stabilized annual revenue incorporating seasonal rate multipliers (peak summer 1.4–1.55×, shoulder spring/fall 0.9–1.1×, winter off-peak 0.55–0.7×) and event-driven premiums from UT football weekends, July 4th week, bass tournament season, and holiday periods. Forward-looking statements involve risk. Past performance does not guarantee future results. All figures are estimates subject to change. This material is for accredited investors only under Reg D 506(c).

District / Unit Type Phase Doors Avg Rev/Door Gross STR Rev TGIF Mgmt Fee Partner Net
D1 — Harbormaster EstatesPh. 140$98,000$3,920,000$980,000$2,940,000
D1 — The Pointe CondosPh. 230$68,000$2,040,000$510,000$1,530,000
D1 — The Slip & Shore VillasPh. 230$58,000$1,740,000$435,000$1,305,000
D2 — Fairway SFRPh. 260$65,000$3,900,000$975,000$2,925,000
D2 — Golf Course SFR (40 lots)Ph. 2–340$70,500$2,820,000$705,000$2,115,000
D2 — Fairway CondosPh. 2–340$46,000$1,840,000$460,000$1,380,000
D2 — Golf Village TownhousesPh. 250$42,000$2,100,000$525,000$1,575,000
D3 — Village TownhousesPh. 360$46,000$2,760,000$690,000$2,070,000
D3 — Village CondosPh. 340$38,000$1,520,000$380,000$1,140,000
D3 — Village ApartmentsPh. 360$28,000$1,680,000$420,000$1,260,000
D4 — Estate SFRPh. 320$118,000$2,360,000$590,000$1,770,000
D4 — The Bluffs CondosPh. 320$72,000$1,440,000$360,000$1,080,000
D5 — Ridge Chateau HomesPh. 2–360$52,000$3,120,000$780,000$2,340,000
D5 — Reserve TownhousesPh. 2–380$44,000$3,520,000$880,000$2,640,000
D5 — Reserve ApartmentsPh. 340$24,000$960,000$240,000$720,000
TOTAL PROGRAM (Stabilized) 670 ~$53K avg $35,720,000 $8,930,000 $26,790,000
Note on Enrollment Ramp: Stabilized projections when enrolled doors reach 670 of ~800+ STR-eligible units, including 40 golf course SFR doors added to this revision. Year 1 enrollment projected at 50 units; Year 2 at 125; stabilized Year 3+ at 200+ with continuous growth through Phase 3 delivery. Years 5–7 fee income projected at $15M–$39M annually. Forward-looking projections subject to material risk and uncertainty.

Ready to Acquire Doors?

Accredited investors, rental operators, and institutional platforms are invited to discuss equity participation in the Rarity Bay STR Program. Minimum commitments vary by equity model and unit class. All investments subject to verification of accredited investor status under Reg D 506(c).

Tony Cosey
Executive VP, Capital Markets
John Hartman
Chief Investment Officer
Chris Magda
Founder & Managing Partner
126 Stonehenge Dr #102 · Crossville, TN 38558  |  Transfer Agent: Andes Capital, 205 W. Wacker Ste 610, Chicago IL 60606