do you know what type of fish you want? if you want a lot of bottom feeders with barbells, you should have a soft substrate like silica pool filter sand. this is very cheap at a pool supply store. But you cannot use an underground filter. that is ok since you plan to use an HOB. in that case go about 2 inches. it is a light sandy brown color.
if you have a ph test kit, you can test your own water and see what the ph normally goes to. tetras look great schooling, and they like more acidic water. Livebearing fish prefer higher ph. if you get fish that work with the ph of the water you have, it makes it much easier to keep them alive. a community tank is ok, but the water has to stay near 7.0 ph. if your water is normally 7.0 then you can do most fish. if you get plants, get some fluorite to add to the tank on occasion, to give the plants nutrition.