(937) 838-0997 [email protected]
Tammy Murphy
Tammy Murphy
R H 2 L
R H 2 L
6814 Loop Road
Tammy, grew up in Dayton, attended the Dayton Public Schools and Graduated Patterson Cooperative High School. She began a graphics presentation company out of high school and understands what it takes for a business to be successful. Her career in real estate began while living away in Arizona, but it was inevitable that she would return home to the Dayton area. Tammy has now worked in real estate since 2001 and truly enjoys the opportunities (and challenges) that are a part of the real estate markets. RH2L was established with the passion for service that is an integral and often missing piece to our industry. Tammy works endlessly to ensure that each of the Realtors within RH2L is also dedicated to providing the highest level of professional service to our clients. RH2L is honored to be the Dayton Area Board of Realtors BROKER / OWNER of the Year! We will continue our excellence in service for those in real estate need.
Sort Option
  • Listing ID
  • Built up Area
  • Price
  • Bedrooms
  • Pictures
  • Featured
Grid
List
RSS

Houses Needed !

2Bedroom(s)
1Bathroom(s)
4Picture(s)
800Sqft
We have BUYERS who have been anxiously waiting for INVENTORY and Interest Rates to drop - and NOW IS THE TIME to get Your House LISTED FOR SALE to capture their attention / offers!We are happy to meet with you and discuss the MARKET VALUE and CURRENT CONDITIONS so that YOU can time the SALE OF YOUR HOUSE to MAXIMIZE YOUR GAIN.
$100,000

Looking for an Executive Home in Oakwood??

61 Shafor, Oakwood, Ohio 45409

3Bedroom(s)
2Bathroom(s)
1Picture(s)
2,196Sqft
Perfect Location for In-coming Executives who want to leave in desirable Oakwood.  With all the community features (park, community center, and tennis) all a short walk / drive!  Seize this rare and exclusive opportunity to own a captivating brick ranch nestled in the highly desirable Oakwood neighborhood.
$360,000

Stunning 3 Bed / 2 Bath Brick Home in Englewood

4626 Dartford, Englewood, Ohio 45322

3Bedroom(s)
2Bathroom(s)
5Picture(s)
1,596Sqft
Step inside to discover the artful fusion of contemporary design and practicality with 1596 SF. A brand new HVAC system, with new windows, ensures year-round comfort and efficiency. Prepare to be amazed by the well-appointed kitchen, showcasing new Whirlpool stainless steel appliances that elevate your culinary adventures.
$230,000

Ready to Rehab in South Park

224 Hickory, Dayton, Ohio 45410

2Bedroom(s)
1Bathroom(s)
4Picture(s)
1,014Sqft
$95,900

Build Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

9Picture(s)
Welcome to the beautiful Moss Creek Subdivision of Clayton! This area is in the rebuilding and final building stages and prime location is presented for your future HOME. All utilities to the lot and ready to build - just need your own builder and design.
$35,000

BUILD Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

10Picture(s)
Welcome to the beautiful Moss Creek Subdivision of Clayton! This area is in the rebuilding and final building stages and prime location is presented for your future HOME. All utilities to the lot and ready to build - just need your own builder and design.
$35,000

Two-Story Colonial on a Cul-de-sac

4502 Circle Hill, Dayton, Ohio 45424

5Bedroom(s)
2Bathroom(s)
2Parking(s)
22Picture(s)
2,352Sqft
This glorious colonial two-story offers 2352 SF living and benefits from cul-de-sac curve with a fenced back yard. You will feel the open space floor plan with still designated rooms for convenience of use... with the main floor offering a formal living room, open kitchen to family room, dining room, half bath and laundry room.
$289,900

FOR SALE: A House with 6.94 Acres - in German Township

2270 Ebersole, Ohio 45502

3Bedroom(s)
2Bathroom(s)
31Picture(s)
1,350Sqft
  Take a short drive out to this wonderful brick ranch, offering 1350 SF of living space with LOTS OF POTENTIAL!! Oh - AND it sits on 6.94 acres - that gives you EVEN MORE POTENTIAL!!  Whether you are looking for that quiet get-away from neighborhood living, or just wanting to plant a garden and reap the rewards of self-sufficient living...
$274,900

Miamisburg Home Offers Natures Tranquility

53 Fitzooth, Miamisburg, Ohio 45342

4Bedroom(s)
2Bathroom(s)
AttachedParking(s)
25Picture(s)
1,824Sqft
 This two-story home in Miamisburg offers you the best in convenience to shopping, restaurants, entertainment and interstate / commute access all while providing the quiet comfort of nature with the protected rear of property as a Natures Trail.
$289,900

Northridge Home with FOUR Parcels!

2231 Keenan, Dayton, Ohio 45414

3Bedroom(s)
1Bathroom(s)
14Picture(s)
1,136Sqft
$74,900

Adorable Ranch Home w/ 2+ Car Garage

205, Dayton, Ohio 45432

3Bedroom(s)
1Bathroom(s)
2 carParking(s)
17Picture(s)
864Sqft
$124,900

It's a BRICK HOUSE!

759 Ellsworth, Trotwood, Ohio 45426

3Bedroom(s)
2Bathroom(s)
13Picture(s)
1,860Sqft
$124,900

Latest News by Tammy

Protect Yourself from Deed Fraud

This year has been especially difficult for the real estate market – and in many ways has opened our eyes to be ever more diligent about PROTECTION and RIGHTS.  Along that lines, criminals seek opportunities to take advantage of a chaotic environment and rely upon those not keeping up with all the things going on / happening.  Our desire is to PROTECT YOUR RIGHTS in Real Estate and assist with helpful information – so please take this message as your PSA to: Protect Yourself from Deed Fraud.

Naturally, if you are in the process of buying a home with us, we are going to share with you the BENEFITS OF A TITLE POLICY – and we have seen a number of instances where the client DID follow our advice and ultimately this SAVED THEM from title troubles and legal costs to correct.  While ultimately it is the client’s decision as to if they want to purchase a title policy, we believe that being INFORMED and EDUCATED about What is a Title Policy and What does it do for YOU – is the best way to ensure you make the right decision for yourself.

Our counties have registered an INCREASE in Fraudulent DEED ACTIVITIES in 2023, and for this reason, many counties are taking actions to establish further steps in the recording process, as well as setting up notification systems.  Even if you are not buying a home anytime soon, or for that matter, even if you do not plan to SELL your home – having a FRAUD ALERT set on your DEED with the County CAN HELP PROTECT YOU.  “The sooner you know something is wrong – the sooner you can do something about it.”

This is a FREE alert system and can be easily setup by going online to https://riss.mcrecorder.org/mcrecorder.org_redirect.cfm or by calling them at 937-225-4275.

Montgomery County DEED Fraud Alert Info

Tammy Murphy, WINS Board of Director Seat with Dayton Realtors

Official now – election results are in… Very happy to continue my service to the real estate industry – and knowing that so many of my fellow Realtors have the confidence in me to represent our Membership. Real Estate is not just about buying and selling homes – it is most importantly about the relationships we are able to make (with our clients, communities and others in the industry!) Having people who are invested in the business and open to doing what is right and for the greater good is key to making necessary changes and supporting our roles to our clients! Looking forward to 2024 and beyond!

Congratulations Tammy as Board of Director

Changes in Real Estate Industry

We all know that change can be good, if not sometimes painful?  What you NEED TO KNOW is that there are proposed changes to the Real Estate Industry – that COULD make a real difference to YOU – as the consumer (buyer or seller).   *** LONGER POST WARNING 😉 ***

I know you think this has already happened with the increased higher interest rates – right?  Yep, that is one change that certainly has impacted everyone.

You also may know that the low inventory and higher purchase prices have continued – and are projected to continue for years – also correct!

However, the little known discussion that has been playing out for a number of years now – with the Department of Justice (DOJ) and National Association of Realtors (NAR) – is something “I” believe will be a BIGGER IMPACT and CHANGE TO THE INDUSTRY than most anyone even realizes.

Now while this may not be decided this year, maybe not even next year – what I see is the tsunami effect of things that is building: low inventory / higher prices; higher interest rates; and THEN if we get way-laid with the change to Realtor Compensation as proposed – the CONSUMER LOOSES!  How?  You may be asking…

Let’s say that for the 115+years now that NAR and Real Estate has been established, there is a way for a SELLER to list their home for sale, having professional representation by their Realtor for their best interests AND in that same agreement compensation is agreed to and offered for a BUYER’s Relator to also be paid.  This works well, is openly noted and shared in the listing services of our MLS (which is solely structured around that compensation agreement BTW).  Yes, Sellers can decide to sell on their own and NOT USE a REALTOR; just as Buyers can decide to make an offer and NOT USE a REALTOR – BUT, if either party uses a Realtor under the current agreements – each party is PROTECTED AND REPRESENTED in a FIDUCIARY ROLE that is bound by ethics and rules. (If I am working for the Seller – then I HAVE TO PROTECT THEIR INTEREST; If I am working for the Buyer – then I HAVE TO PROTECT THEIR INTEREST) you get the point??

Why does this work??  Because the offer of compensation is addressed with the LISTING with the SELLER and both sides of the transaction are ASSURED OF REPRESENATION.  And each Realtor is getting PAID at the CLOSING of the DEAL from the Seller Proceeds.

If a Seller does a For Sale By Owner – there are NO LEVELS OF PROFESSIONAL REPRESENTATION, NO protocols of disclosures or process, and it really becomes a BUYER BEWARE (Caveat Emptor) situation.

If a Buyer decides to purchase without a Realtor Representation, well they can certainly choose to navigate the purchase, finance, inspection, appraisal and closing process ALL ON THEIR OWN – however, each of those steps COULD present an issue for those who may not be familiar with or understanding of their “rights”.

Now – back to the PROPOSED CHANGE – for whatever reason – there is a BUG up someone’s crawl that is saying this system (well proven over the 115 years) that is UNFAIR.  The change is to have Sellers Pay for their Realtor Services and the Buyers to Pay for their Realtor Services.  And I know, on the service – everyone THINKS that is an equitable resolution.

HOWEVER, what you don’t realize – while the Seller is likely MAKING MONEY ON THE TRANSACTION AND ABLE TO PAY THEIR REALTOR FEES AT CLOSING – the BUYER is BRINGING MONEY TO THE TABLE TO CLOSE: either in the form of their LOAN (which currently ONLY can cover the mortgage expenses), or their own FUNDS OUT OF POCKET.

I’m going to now give an EXAMPLE of what a Buyer Scenario looks like:  Buyer decides they want to buy house at $100,000 (good luck finding that right now! – but easy numbers help make the point)

Buyer is “pre-approved” with a lender who has indicated the type of loan they qualify for – FHA may be 3.5% down (or $3500 down), plus closing costs and loan origination fees – well, let’s just call this a Total of about $6000 that will be needed for the Buyer to Close the Loan.

The “process” should / could involve an Inspection ($500) BUYER PAYS OUT OF POCKET AT THE TIME; and an Appraisal ($400) BUYER PAYS OUT OF POCKET TO SCHEDULE.  There could be additional inspection costs (termite, well, radon, etc) all of which would ADD TO THE OUT OF POCKET COST – and ALL PAID BEFORE THE CLOSING BY THE BUYER.

To be “safe” and for Buyers to have some understanding of what they need to BUY a house, I use GENERAL NUMBERS LIKE THIS TO PREPARE THEM, and also to gauge their financial ability to make this decision to purchase.  If they have ~10% of the PRICE OF THE HOME as funds available for them to use – THEN this may be a deal for the Buyer.

BUT NOW – the Proposed Change, is stating the BUYER is to PAY FOR THEIR REALTOR SERVICES – which as indicated is NOT ABLE TO BE ROLLED INTO THE LOAN (currently) so will be OUT OF POCKET COST.  If the Buyer then has to come up with an extra $1000, $2000 or $3000 + to pay for their Realtor Services… DO YOU THINK THAT IS AN UNFAIR HARDSHIP??

I believe that this proposed Change is not only UNFAIR to BUYERS, it puts them in jeopardy to decide to NOT USE A REALTOR (saving the money) but loosing out on their RIGHTS AND REPRESENTATION.  I believe this proposed Change is a TERRIBLE SHIFT TO AN INDUSTRY whose sole business has been based on Ethics, Integrity and FIDUCIARY RESPONSIBILITIES FOR OUR CLIENTS.  It is a GAME CHANGER and NOT IN A GOOD WAY.

Why do I go to conferences, pay DUES and work hard for my clients?  Because it is something I take personally, it is a DUTY I feel, and it is an HONOR THAT I SERVE.  Having an industry change such as this come along and “knock out” all the 20+ years of experience of my service is a SLAP IN THE FACE.  DOJ should be asking the consumers if they are REALLY READY to carry the burden of not only having higher prices due to the lack of inventory (and many governmental shortages and failures), to the higher interest rates (again, due to governmental failures and oversight), to NOW – the proposed BURDEN of having to pay for their “rights” to be a protected BUYER DURING THE HOME PURCHASE PROCESS with their Realtor Services NOW BEING ON THEM DIRECTLY.

Yes, I could go on and on about this – with REAL LIFE EXAMPLES of how I not only had Sellers who made MONEY on their Real Estate transactions – but that they GLADLY PAID FOR THE REALTOR SERVICES FOR BUYER INCLUDED, and knew / know that was the way the process amicably worked for ALL.

And more importantly, I can tell you about REAL LIFE EXAMPLES of Buyers who NEVER THOUGHT THEY COULD OWN A HOME, were negotiated into deals that WORKED for them and made them HAPPY HOME OWNERS – with as LITTLE OUT OF POCKET AS POSSIBLE – to which they were FULLY AWARE OF AND ABLE TO PAY, mainly because there was NO ADDED COST OUT OF POCKET TO THEM FOR MY SERVICES.

And, to go a step further – yes, I have the HORROR STORIES as well of people who LOST OUT because of decisions they made WITHOUT THE PROFESSIONAL SERVICES OF ME (or other REALTORS) as a result of their trying to “SAVE SOME MONEY”.

On the record I will say all of this, and what I believe is that ANYTIME SOMEONE IS TRYING TO TAKE AWAY THE RIGHT OF ANOTHER (in any form: out-right change to constitution or bylaws or process rules) THEN THERE IS ALWAYS A GAIN FOR THOSE SEEKING THE CHANGE and NOT A BENEFIT FOR THOSE WHO ARE AFFECTED.

And my passion to serve is the reason MY CLIENTS continue to use me for their Real Estate needs – they KNOW I am going to STAND UP, SPEAK UP and VOTE in this Industry for the RIGHTS OF THE CONSUMERS.

Here’s a few links if you’d like to see more:

FREE Estate Planning Workshop

Our “Building a Secure Future: Estate Planning and Real Estate Workshop” is planned for Thursday, August 24, 2023 and will be held from 11 AM – 1 PM This FREE event will be held at the American Legion Post 598 at 5700 Kentshire Drive, Kettering OH 45440.  Please reserve your seat in advance so that we can adequately be prepared with Refreshments and Hand-outs!

We have Attorney, Nancy Ann Roberson of Roberson Law to speak about Estate Planning and to answer YOUR QUESTIONS on Building a Secure Future!  Planning in advance of medical or life-changing situations is KEY to protecting your assets!

Tammy Murphy, REALTOR, will also be available to answer any REAL ESTATE questions, and is proud to HOST this FREE event.

Additional partners will be available to answer questions having to do with LOANS / TITLE / INSURANCE and FINANCIAL PLANNING.

Estate Planning & Real Estate WORKSHOP w Sponsors flyer

Union Home Mortgage logo      Partners Land Title logo   Allstate Logo

REGISTER NOW

Estate Planning & Real Estate Workshop RSVP

Thinking of Moving Abroad ??

Thinking of Moving Abroad?  With REMOTE WORK and the now endless opportunities to live where you want (and if you want to still work, remote is an option) then FINDING a place to call Home in another country can cause you even more anxiety / stress and OPTIONS.  What you need to know – is going to be dependent upon WHERE you are looking to move to – what country, what are the residency requirements, what are the loan options available – and so many more variables to consider that you otherwise may not begin to know – until you are in the thick of it.

Working with a Realtor who has their CIPS designation here in the US is a great way to start your process.  Why? Because, they have a foundation of understanding the international market as well as having many contacts in other countries.  Once you have an idea of the country / region / town you want to move to – then “the fun” can begin.  Being put into contact with a real estate professional who is then LOCAL to your choice, is a smart move – although the process may vary from what USA practices are, they will likely have similar association and professional standards.

Once this part is in the works – you will need to make sure that a LENDER is able to work with you on an INTERNATIONAL LEVEL – this again, is going to depend on what country you are selecting; but, as an example US Citizens cannot just get a loan in the US from their bank and then use for the purchase of a property in a foreign land.  So having the assistance of your CIPS Realtor here – will be able to assist you in this navigation process of finding the right lender for the country you are seeking to move.

Other things to consider:

  • Residency rules of the country vs Expat status vs Citizenship
  • Currency transaction requirements
  • Title and Ownership process
  • LANGUAGE Barriers (especially when dealing with contracts and laws)

Here is an International Lender with experience to help US Citizens to be able to purchase in other countries (be sure to confirm requirements for the country you are interested in): https://www.americamortgages.com/us-citizen-overseas/

Tammy’s best advice, ALWAYS travel to the potential spot and spend a longer than a week 😉 BEFORE making the life changing decision.  In the fun of a vacation it is easy to fall in love with a place / atmosphere / people – but what is the reality when you are there for the long-haul, have to work and no longer just get to casually stroll thru the streets?  THAT is when you can find the real place for you to call home – when you know that it is just the right spot in the world that makes your heart full, the senses invigorated and the future bright!!   Many happy travels in your search of finding HOME.