This is the house-hack that changes your monthly payment. A brand new 2025 CBS duplex with two 3-bedroom, 2-bathroom units, premium finishes, no HOA, and a price under $500,000. FHA and VA eligible. Never occupied. Certificate of Occupancy in hand.

Each unit delivers 1,222 square feet with quartz countertops, a decorative waterfall kitchen island, frameless glass showers, polished porcelain tile throughout, matte black fixtures, and a full stainless steel appliance package. Impact windows and doors on every opening, 160 MPH wind code, Sentricon termite system, private well with water softener. FEMA Zone X with no mandatory flood insurance. Taxes $442 per year on a vacant land assessment.

FHA 3.5 percent down is approximately $17,497. Estimated market rent is $1,750 or more per month per unit. Estimated gross rental income for investors is $3,500 or more per month on brand new construction.

The property is served by a 400 GPD septic system with four-bedroom permitted capacity. There are six physical bedrooms, three per unit. Buyers should consult a licensed septic contractor. Upgrade to 600 GPD is estimated at $15,000 to $25,000.