NLY data by YCharts Annaly Capital Management shares are "on sale" right now and, even with the concerns regarding their government-backed mortgages, they have plenty of ways to keep paying a generous dividend and move their share price higher. If you can buy below $16-a-share it should offer a profitable long-term return. Now is also an auspicious time to begin accumulating shares of Two Harbors. TWO has trailing-12-month operating margin and profit margin (around 83% for each category) that speaks to their outstanding management and growth potential. With their mind-boggling earnings growth rate and plans to enrich shareholders through expanding their rental housing ownership program, there should be plenty of money to be made over time. It would not surprise me to see a total return in both NLY and TWO of 20% or more over the next year. At the time of publication, the author held no positions in any of the companies mentioned in this article. Jim Cramer and Stephanie Link actively manage a real money portfolio for his charitable trust- enjoy advance notice of every trade, full access to the portfolio, and deep coverage of the latest economic events and market movements. This article is commentary by an independent contributor, separate from TheStreet's regular news coverage.