10BR/6BA | Duplex (2 units) | Dayton, TX | $708,413 | $5,888/mo

3.75% interest on a 10/6 ARM. The builder contributes $40,000 toward the rate buydown; the buyer pays $19,020, about 2.68 points at 75% LTV. The builder also funds the first year of property management, worth $3,533 on this home, and puts the balance of $1,467 toward closing costs. Also includes a $2,500 builder rent credit and a $2,500 post-close rent credit. After the first year management is 5% through the builder's manager, against the 8% we underwrite as standard, worth about $2,120 a year.