One Home.

Two Opportunities.

Every TwoTen duplex is both a place to live and a path to grow wealth. Crafted with quality, efficiency, and peace of mind.

Every TwoTen duplex is both a place to live and a path to grow wealth. Crafted with quality, attention to detail, and peace of mind.

Smarter investments, built-in Returns

TwoTen Communities presents a distinctive approach to the residential housing market by integrating the interests of investors, primary homebuyers, and tenants within a single community.

When clients have questions or concerns, we provide prompt and accurate responses. Our team collaborates to deliver timely solutions, maintain quality in outcomes, and communicate clearly to support client needs.

Investing

The V.A. Loan House Hack Worksheet
VA loans can be used to buy a multi-unit property if you live in one…

Investing

The Duplex Investor Guide
Duplexes allow investors to generate rental income from one or both units…

Investing

WHAT IS A 1031 Exchange?
A 1031 Exchange, allows investors to defer paying capital gains taxes when they sell one investment property and…

Designed for Living.

Built for Investing.

Each TwoTen duplex pairs timeless design with thoughtful efficiency. Spacious layouts, energy-saving features, and elegant finishes come standard—so whether you’re investing, living, renting, or both, you can count on quality.

Communities that

Grow

We build in Central Texas’ strongest growth corridors, close to schools, retail, and major employers. Explore our active and upcoming communities designed for both lifestyle and investment.

Abbott Run

Abbott Pass, San Antonio, TX 78152

Amanda Park

Nespral Drive, San Antonio, TX 78253

Emma Park

278 Cross Barn, Buda, TX 78610

The Coves at Knox Ridge

5402 Devil’s Gate, Converse, TX 78109

( SOLD OUT )

Morgan’s Ridge

Green Club, San Antonio, TX 78253

Sterling Cove – Coming Soon

9407 WEICHOLD CONVERSE, TX 78109

Cashflow

Calculator

Estimate your potential returns with our interactive tool. Input purchase price, down payment, rental rates, and expenses — it will project your annual cash flow, cap rate, and ROI.

Special Promotions

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The Twoten

Difference

Founded on the core values of Integrity, Humility, and Loyalty to our clients, we strive to timely deliver quality constructed properties.

We begin with the investor in mind, with a goal to deliver rent ready investment properties in beautiful communities that are professionally managed.

Design Quality

Timeless layouts and clean finishes come standard. Every detail is built for everyday comfort and long-term appeal.

Superior Service

We communicate clearly and stay involved from start to finish. You always know where your project stands.

Proven value

Our homes are designed to perform and hold their strength over time. Investors see stability, renters see quality.

Peace of mind

Your property is delivered complete and on schedule. Everything is handled so your investment is ready on day one.

Select your Duplex

Browse our available, move-in ready homes in prime growth corridors.

1

Secure Financing

We’ll connect you with trusted lenders who specialize in both investor loans and VA benefits for owner-occupants.

2

Close with Confidence

Our in-house team guides you through every detail using our proven process, keeping the process clear, simple, and on time.

3

Move In or rent Out

Live in one side, lease the other, or rent both units—our property management partners make leasing seamless.

4

Easy ongoing Support

From warranties, property management referrals, and professionally managed communities to keep everything on track, we ensure your duplex is a long-term, low-stress investment.

5

Smarter investments, built-in Returns.

TwoTen Communities presents a distinctive approach to the residential housing market by integrating the interests of investors, primary homebuyers, and tenants within a single community.

When clients have questions or concerns, we provide prompt and accurate responses. Our team collaborates to deliver timely solutions, maintain quality in outcomes, and communicate clearly to support client needs.

Investing

The V.A. Loan House Hack Worksheet
VA loans can be used to buy a multi-unit property if you live in one…

Investing

The Duplex Investor Guide
Duplexes allow investors to generate rental income from one or both units…

Investing

WHAT IS A 1031 Exchange?
A 1031 Exchange, allows investors to defer paying capital gains taxes when they sell one investment property and…

What our owners and investors say

“Owning a duplex with a VA loan changed everything. I’m building equity while reducing my housing costs.”

Owner Occupant

“The process was seamless—TwoTen kept us informed from start to finish. My duplex leased immediately.”

Investor Client

What our owners and investors say

Trusted by leading partners in property management, lending, and warranty services.

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Conventional Financing Calculator

Real Estate Investment Calculators
INVESTMENT
Investment Capital Needed: $0.00
List Price
$
Down Payment
% $0.00
P = List Price
D% = Down Payment Percent
Down Payment = P × (D% ÷ 100)
Closing Costs
$
P = Loan Amount
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by loan amount:
7% for $0 < P ≤ $75,000
6.5% for $75,001 < P ≤ $87,500
6% for $87,501 < P ≤ $100,000
5.5% for $100,001 < P ≤ $112,500
5% for $112,501 < P ≤ $125,000
4.5% for $125,001 < P ≤ $137,500
4% for $137,501 < P ≤ $250,000
3.5% for $250,001 < P ≤ $300,000
3% for $300,001 < P ≤ $450,000
2.5% for $450,001 < P ≤ $600,000
2% for $600,001 < P ≤ $850,000
1.5% for $850,001 < P ≤ $1,200,000
1.25% for $1,200,001 < P ≤ $1,900,000
1% for $1,900,001 < P ≤ $2,800,000
0.75% for $2,800,001 < P ≤ $4,300,000
0.5% for P > $4,300,001
Investment Capital Needed
$0.00
D = Down Payment
C = Closing Costs
Investment Capital Needed = D + C
DEBT SERVICE
Total Mortgage Payment: $0.00
Loan Amount
70 % $0.00
P = List Price
D% = Down Payment Percent
Loan Amount = P × (100 - D%) ÷ 100
Interest Rate
%
Amortization (years)
years
Mortgage Payment
$0.00
P = Principal (Loan Amount)
i = Interest Rate ÷ 12 ÷ 100
n = Loan Amortization × 12
Monthly Payment = P × (i(1+i)^n) ÷ ((1+i)^n - 1)
Additional Principal Payment
$
Total Mortgage Payment
$0.00
M = Mortgage Payment
A = Additional Principal Payment
Total Mortgage Payment = M + A
FIXED EXPENSES
Total Fixed Expenses: $0.00
Total Mortgage Payment
$0.00
Taxes (Input Current Tax Rate)
% $0.00
Insurance
$
Management Fee
% $0.00
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
$0.00
M = Total Mortgage Payment
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = M + T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
Estimated Vacancy
$0.00
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
$0.00
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
$0.00
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow: $0.00
Gross Rent
$
Total Fixed Expenses
$0.00
Estimated Cash Flow(fixed expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - Ef
Total Variable Expenses
$0.00
Estimated Cash Flow(total expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - Ef - Ev
RETURN ON INVESTMENT
Total Projected Profit: $0.00
Annual Appreciation
3 %
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
CNC = Monthly Cash Flow (total expenses) while property is new construction
CM = Monthly Cash Flow (total expenses) while property is mortgaged
CPO = Monthly Cash Flow (total expenses) while property is paid off
MNC = Months Held while the property is new construction
MM = Months Held while the property is mortgaged
MPO = Months Held while the property is paid off
Accumulated Cash Flow = (CNC · MNC) + (CM · MM) + (CPO · MPO)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P · (1 + A% / 100)Y - P
Principal Paydown
$0.00
P = Principal (Loan Amount)
n = Years Held × 12
B = Principal Balance from Mortgage Amortization Schedule in month n
Principal Paydown = P - B
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 × (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
P = Principal Paydown
E = Selling Expenses
Total Projected Profit = C + A + P + E
Annual Cash-on-Cash Return (fixed expenses)
0.00%
CM = Monthly Cash Flow (fixed expenses) while property is mortgaged
CPO = Monthly Cash Flow (fixed expenses) while property is paid off
MM = Months Held while the property is mortgaged
MPO = Months Held while the property is paid off
Cf = Accumulated Cash Flow (fixed expenses) = (CM × MM) + (CPO × MPO)
I = Investment Capital
Y = Years Held
Annual Cash-on-Cash Return (fixed expenses) = 100 × (Cf ÷ I ÷ Y)
Annual Cash-on-Cash Return (total expenses)
0.00%
C = Accumulated Cash Flow
I = Investment Capital
Y = Years Held
Annual Cash-on-Cash Return (total expenses) = 100 × (C ÷ I ÷ Y)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 × (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
M = Annual Total Mortgage Payment
P = List Price
Annual Cap Rate = 100 × ((R - Ef - Ev - M) ÷ P)
TAX BENEFITS
Annual Depreciation: $0.00
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P · 0.8 / 27.5
CASH RESERVES
Cash Reserves: $0.00
Number of Months
Cash Reserves
$0.00
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Mf = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n · (Ef + Ev - Mf - V), 3500)

Cash Purchase Calculator

Cash Purchase Investment Calculator
INVESTMENT
Investment Capital Needed: $0.00
List Price
$
Closing Costs
$
P = List Price
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by list price:
2% for $0 ≤ P ≤ $300,000
1.75% for $300,001 ≤ P ≤ $500,000
1.5% for $500,001 ≤ P ≤ $700,000
1.25% for $700,001 ≤ P ≤ $900,000
1% for $900,001 ≤ P ≤ $1,100,000
0.75% for $1,100,001 ≤ P ≤ $1,600,000
0.5% for P ≥ $1,600,001
Investment Capital Needed
$0.00
P = List Price
C = Closing Costs
Investment Capital Needed = P + C
FIXED EXPENSES
Total Fixed Expenses: $0.00
Taxes
$
Insurance
$
Management Fee
% $0.00
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
$0.00
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
Estimated Vacancy
% $0.00
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
% $0.00
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
$0.00
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow (total expenses): $0.00
Cash Flow (in year )
Gross Rent
Total Fixed Expenses
$0.00
Estimated Cash Flow (fixed expenses)
$0.00
R = Gross Rent
E_f = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - E_f
Total Variable Expenses
$0.00
Estimated Cash Flow (total expenses)
$0.00
R = Gross Rent
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - E_f - E_v
RETURN ON INVESTMENT
Total Projected Profit: $0.00
Annual Appreciation
0.0%
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
C_NC = Monthly Cash Flow (total expenses) while property is new construction
C = Monthly Cash Flow (total expenses) while property is not new construction
M_NC = Months Held while the property is new construction
M = Months Held while property is not new construction
Accumulated Cash Flow = (C_NC * M_NC) + (C * M)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P * (1 + A% / 100)^Y - P
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 * (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
E = Selling Expenses
Total Projected Profit = C + A - E
Annual Cash on Cash Return (fixed expenses)
0.00%
CF_f(mo) = Monthly Cash Flow (fixed expenses)
I = Investment Capital
Annual Cash on Cash (fixed) = 100 · ((12 · CF_f(mo)) ÷ I)
Annual Cash on Cash Return (total expenses)
0.00%
CF_t(mo) = Monthly Cash Flow (total expenses)
I = Investment Capital
Annual Cash on Cash (total) = 100 · ((12 · CF_t(mo)) ÷ I)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 · (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
P = List Price
Annual Cap Rate = (100 / P) * (R - Ef - Ev)
TAX BENEFITS
Annual Depreciation Value: $0.00
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P × 0.8 ÷ 27.5
CASH RESERVES
Cash Reserves: $0.00
Number of Months
Cash Reserves
$0.00
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
M_f = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n × (E_f + E_v - M_f - V), 3500)

Private Financing Calculator

Private Investment Calculator
SELECT LOAN PROGRAM
Selected Program: Program 2
Interest Rate / APR*
Min. Down Payment
Term / Amortization
6.95% / 7.41%
20%
30 Year / 30 Year
Selected
7.95% / 8.57%
30%
10 Year / 30 Year
8.95% / 9.47%
40%
30 Year / 30 Year
INVESTMENT
Investment Capital Needed: $0.00
List Price
$
Down Payment
% $154,800.00
P = List Price
D% = Down Payment Percent
Down Payment = P × (D% ÷ 100)
Closing Costs
$
P = Loan Amount
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by loan amount:
9.5% for $0 ≤ P ≤ $75,000
9% for $75,001 ≤ P ≤ $87,500
8.5% for $87,501 ≤ P ≤ $100,000
8% for $100,001 ≤ P ≤ $112,500
7.5% for $112,501 ≤ P ≤ $125,000
7% for $125,001 ≤ P ≤ $137,500
6.5% for $137,501 ≤ P ≤ $250,000
6% for $250,001 ≤ P ≤ $300,000
5.5% for $300,001 ≤ P ≤ $450,000
5% for $450,001 ≤ P ≤ $600,000
4.5% for $600,001 ≤ P ≤ $850,000
4% for $850,001 ≤ P ≤ $1,200,000
3.75% for $1,200,001 ≤ P ≤ $1,900,000
3.5% for $1,900,001 ≤ P ≤ $2,800,000
3.25% for $2,800,001 ≤ P ≤ $4,300,000
3% for P ≥ $4,300,001
Investment Capital Needed
$175,089.00
D = Down Payment
C = Closing Costs
Investment Capital Needed = D + C
DEBT SERVICE
Total Mortgage Payment: $0.00
Loan Amount
70 % $359,800.00
P = List Price
D% = Down Payment Percent
Loan Amount = P × (100 - D%) ÷ 100
Interest Rate
%
Amortization (years)
Term (years)
Mortgage Payment
($2,627.55)
P = Principal (Loan Amount)
i = Interest Rate ÷ 12 ÷ 100
n = Loan Amortization × 12
Monthly Mortgage Payment = P × (i × (1+i)^n) ÷ ((1+i)^n - 1)
Additional Principal Payment
$
Total Mortgage Payment
($2,627.55)
M = Mortgage Payment
A = Additional Principal Payment
Total Mortgage Payment = M + A
FIXED EXPENSES
Total Fixed Expenses: $0.00
Total Mortgage Payment
($2,627.55)
Taxes
% $0.00
Insurance
$
Management Fee
% ($165.19)
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
($3,045.41)
M = Total Mortgage Payment
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = M + T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
Estimated Vacancy
% ($159.60)
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
% ($159.60)
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
($374.62)
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow (total expenses): $0.00
Cash Flow (in year )
Gross Rent
$
Total Fixed Expenses
$0.00
Estimated Cash Flow (fixed expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - Ef
Total Variable Expenses
$0.00
Estimated Cash Flow (total expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - Ef - Ev
RETURN ON INVESTMENT
Total Projected Profit: $0.00
Annual Appreciation
3 %
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
C_NC = Monthly Cash Flow (total expenses) while property is new construction
C_M = Monthly Cash Flow (total expenses) while property is mortgaged
C_PO = Monthly Cash Flow (total expenses) while property is paid off
M_NC = Months Held while the property is new construction
M_M = Months Held while the property is mortgaged
M_PO = Months Held while the property is paid off
Accumulated Cash Flow = (C_NC · M_NC) + (C_M · M_M) + (C_PO · M_PO)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P * (1 + A% / 100)^Y - P
Principal Paydown
$0.00
L = Loan Amount
i = Interest Rate ÷ 12 ÷ 100
n = Total Payments (Years Held × 12)
M = Monthly Payment
Principal Paydown = L - Remaining Balance after n payments
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 * (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
PP = Principal Paydown
E = Selling Expenses
Total Projected Profit = C + A + PP - E
Annual Cash on Cash Return (fixed expenses)
0.00%
CF_f(mo) = Monthly Cash Flow (fixed expenses)
I = Investment Capital
Annual Cash on Cash (fixed) = 100 · ((12 · CF_f(mo)) ÷ I)
Annual Cash on Cash Return (total expenses)
0.00%
CF_t(mo) = Monthly Cash Flow (total expenses)
I = Investment Capital
Annual Cash on Cash (total) = 100 · ((12 · CF_t(mo)) ÷ I)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 · (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
M = Annual Total Mortgage Payment
P = List Price
Annual Cap Rate = (100 / P) * (R - Ef - Ev + M)
TAX BENEFITS
Annual Depreciation Value: $0.00
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P × 0.8 ÷ 27.5
CASH RESERVES
Cash Reserves: $0.00
Number of Months
Cash Reserves
$0.00
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
M_f = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n × (E_f + E_v - M_f - V), 3500)