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How To

Invest

Six steps from first look to leased. Every step is fixed and open — nothing to click through.

1

VA BUYER INCENTIVE 4.49%-4.875%
$0 Down | 30-Year Fixed

If you bought a $545,000 home with a 30 year loan at a fixed rate of 4.49% (4.65% Annual Percentage Rate), with a down payment of 0%, for a loan amount of $545,000 you would make 360 monthly payments of $2,758. If you bought a $545,000 home with a 30 year loan at a fixed rate of 4.875% (5.472% Annual Percentage Rate), with a down payment of 0%, for a loan amount of $545,000 you would make 360 monthly payments of $2,886. Credit does not include VA funding fee. VA funding fee, if applicable, is financed into the new loan. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment.
2

FHA BUYER INCENTIVE 4.875%
3.5% Down | 30-Year Fixed

If you bought a $545,000 home with a 30 year loan at a fixed rate of 4.875% (5.472% Annual Percentage Rate), with a down payment of 3.5%, for a loan amount of $525,925 (includes upfront mortgage insurance premium) you would make 360 monthly payments of $2,785. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment. Rates based on 660 Fico score.
3

CONVENTIONAL BUYER INCENTIVE 4.75%
5% Down | 30-Year Fixed

If you bought a $545,000 home and put 5% down, for a loan amount of $517,750, with a 30 year term at a fixed rate of 4.75% (Annual Percentage Rate 4.784%), you would make 360 payments of $2,701. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment.

4

10/6 ARM 3.5% INITIAL RATE
25% Down | 30-Year Term

Rate provided 8.13.26 by Reed Hazard, CMG Mortgage 10/6 ARM. Stated rate may change or may not be available at time of rate lock. Example: Purchase Price $545,000, 25% Down Payment, $408,750 Loan Amount, 30-year term, initial interest rate 3.5% (4.841% APR) for initial 120 payments of $1,835.

Post Introductory Period Example

Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $316,482: 3% Margin, 3.636% SOFR (8.13.26), 6.636% variable rate, $2,030 monthly payment. At max interest rate of 8.5% payment is $2,433. Rates based on 780 FICO score.

5

10/6 ARM 3.75% INITIAL RATE
25% Down | 30-Year Term

Rate provided 8.13.26 by Reed Hazard, CMG Mortgage 10/6 ARM. Stated rate may change or may not be available at time of rate lock. Example: Purchase Price $550,000, 25% Down Payment, $412,500 Loan Amount, 30-year term, initial interest rate 3.75% (5.083% APR) for initial 120 payments of $1,910.
Post Introductory Period Example

Interest Rate = SOFR + Margin. Payment can adjust every 6 months. Sample Repayments at month 120 with balance of $322,211: 3% Margin, 3.636% SOFR (8.13.26), 6.636% variable rate, $2,066 monthly payment. At max interest rate of 8.75% payment is $2,535. Rates based on 780 FICO score.

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FAQ

What’s the minimum investment?

Typically 20-25% down plus closing costs. We partner with lenders to help structure deals. Owner Occupants typically pay 0-5% down plus closing costs.

We build across the Central Texas corridor—from San Antonio to near Austin—targeting high-growth areas.
No. We provide referrals to trusted property management firms so you can be hands-off if desired.
Yes — our documentation supports 1031 rollover compliance to help you defer capital gains tax.
Standard builder warranty plus structural coverage; we also handle punch-list items at closing.

Immediately. You’ll receive a tenant-ready dossier at closing, and PM referrals stand ready to list the property.

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Whether you’re investing for the future or looking for a smarter home today, TwoTen Communities has a duplex built for you.

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