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Emma – Duplex 1800

651500

Price

$ 651,500.00

Suggested Rent

$ 2,195.00 per side

Taxes

1.74

%

HOA Fees

$ 990.00 per duplex annually

Leasing Fee

50.00

% of one month’s rent

Management fee

8.00

% of collected rent

115 Units Available
$ 651,500.00

Bedrooms

8

Bathrooms

6

Full

Square footage

3,600

per unit

About:

3,600 sq ft total; 1,800 sq ft (per duplex side) includes 4 bedrooms, 3 baths. Master/ensuite, bedroom 2, full guest bath, laundry room, mudroom, large living area, dining, central kitchen with island seating space, all located downstairs. Bedrooms 3 & 4 and bathroom 3 are upstairs. Each unit comes with 2 car garage, covered patio, large backyard, full irritation, privacy fence, and front door smart keypad deadbolt. Some communities have solar panels, EV charging stations (per plan only).

Key Features:

  • Luxury flooring
  • High ceilings
  • Stainless Steel Appliances
  • Large backyards

Schools:

School Name

Grades

Distance

Moe & Gene Johnson High School
9-12
0.0 mi
Dr T C Mccormick Jr Middle
6-8
0.0 mi
Ralph Pfluger Elementary School
PK-5
0.0 mi
Hays Consolidated Independent School District
PK-12
0.0 mi

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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.

Conventional Financing
Cash Purchase
Private Financing

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

Duplex Gallery

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
% $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
▼
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
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)