(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.
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309 N Main Street

309 Main, Pleasant Hill, Ohio 45359

Welcome to Pleasant Hill, a small-town community whose history is steeped in aspiring and world-renowned businesses, from the Beery Carriage to the inventor of Teflon. Less than 15 minutes’ drive to Troy or highway access, with West Milton & Englewood just minutes south.

293 Hess Court, Fairborn Ohio 45324

293 Hess, Fairbron, Ohio 45324

2 carParking(s)
Nestled in a peaceful cul-de-sac, this charming two-story residence boasts over 1920 square feet of comfortable living space, with an additional unfinished basement awaiting your personal touch. As you arrive, you'll be greeted by a welcoming covered porch, the perfect spot to unwind with a refreshing drink.

Delightful Two Story in Wolf Creek Run

4957 Galileo, Trotwood, Ohio 45426

 Welcome to the Wolf Creek Run subdivision that is easy commute access via 49 / Corridor to I-70 and minutes from highway interchanges! This community presents with a mix between Trotwood / Clayton / Englewood and you will truly enjoy the spacious PENNINGTON MODEL from DR Horton that was constructed in 2021.

Houses Needed !

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.

Looking for an Executive Home in Oakwood??

61 Shafor, Oakwood, Ohio 45409

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.

Stunning 3 Bed / 2 Bath Brick Home in Englewood

4626 Dartford, Englewood, Ohio 45322

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.

Ready to Rehab in South Park

224 Hickory, Dayton, Ohio 45410


Build Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

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.


7001 Camden, Clayton, Ohio 45315

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.

Two-Story Colonial on a Cul-de-sac

4502 Circle Hill, Dayton, Ohio 45424

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.

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

2270 Ebersole, Ohio 45502

  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...

Miamisburg Home Offers Natures Tranquility

53 Fitzooth, Miamisburg, Ohio 45342

 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.

Latest News by Tammy

Let’s Talk About Property Taxes…

A topic that is on everyone’s mind and in the middle of a lot of discussion is about Property Taxes, so “Let’s Talk About Property Taxes” here in the Montgomery County / Dayton Ohio Region specifically…  We know (or have heard) that the increases seen this past year due to the continued uptick in the Seller’s Market – has netted about a 34% INCREASE in property tax basis.  What does that mean for the average homeowner?  Higher Property Taxes, of course.  Now that increase you pay isn’t 34% but it is HIGHER and with no real legislation or “control” in place – OHIO is one of the states that this tax can continue to be a burden and negative impact on the future of properties – if not addressed!

Our State Legislation currently has at least 5 bills under consideration – to address Property Taxes.  From raising the Homestead Exemption from its current $25,000-$38,000 to a HIGHER AMOUNT; to restricting the amount of increase for those who are Elderly or Disabled or Fixed Income; to potentially a hybrid version that combines a little of all the bills to one.  EITHER WAY YOU SLICE IT – People are being TAXED higher than they see the value necessary – and with continued ballot votes that offer LEVY and ASSESSMENTS that can ADD to the Property Taxes, people are just fed up.

This was the perfect time to have our guest speaker, John McManus, the Montgomery County Treasurer, on our recent podcast The Real-Tea – and was he an enjoyable treat to share!  His view and perspective on things is coming from a place of “the people” and to hear that he UNDERSTANDS our perspective and feels the PINCH with us, was a welcome and unexpected benefit.  I don’t know about you – but having someone in this position who understands and can relate to the plight of the people is certainly advantageous!  I say we keep him in the position for a few more terms!?

Take a listen / look at our podcast – there was so much information we had to do a second episode – so don’t miss that one either!




Here’s a few of the tidbit details you may want to check out as well:

Do you know how much of your property tax goes to the school district??  60% !  And levies can either increase or decrease additional funds for this purpose:  New levies are making an INCREASE, or a RENEWAL is keeping the level as current. Montgomery County receives 2-4 %

Depending on your property location, the following ALSO receive a portion of your property taxes: Cities, Townships, Parks and Recreation, Emergency Services, Human Services, and Schools including Sinclair and / or Miami Valley Career Tech.

To see what YOUR property tax goes to cover specifically:

  • Go to www.mcauditor.org
  • Click on Property Search (proceed to site)
  • Search By Address (enter your property address as directed)
  • Select the Parcel for your property.

On the left side bar – Select the LEVEY DISTRIBUTION and you will see the breakdown of where your property taxes are being distributed.


County Recorder’s Office: Fraud Alert Notification System:  Recordings filed against your property will be an immediate notification to you so that you can QUICKLY see if there is fraudulent activity against your property.

Sign up for this FREE SERVICE @ https://go.mcohio.org/applications/recorder/fraud/

County Auditor’s Office:  Buy with Confidence – a program to offer homebuyers information and resources to avoid being taken advantage of when buying property.  https://www.mcohio.org/1480/Buy-With-Confidence


John’s passion project is with Financial Literacy for Adults and Children… This is a FREE Program that can be arranged to present information and education on understanding money / budget and financial planning.  Contact the County Offices at 937-225-4010 to schedule.

Reverse Mortgages: Unveiling Insights and Pitfalls

Reverse Mortgages: Unveiling Insights and Pitfalls… At first glance, Reverse Mortgages may seem like a beneficial financial option, especially for seniors looking to tap into their home equity. However, our episode uncovers the hidden complexities and potential risks associated with these arrangements. Through a detailed analysis and invaluable insights, we empower you with a deeper understanding of Reverse Mortgages.

Our mission is clear: to equip you with the knowledge necessary to make informed decisions. By dissecting the intricacies of Reverse Mortgages, we provide you with the tools to navigate this financial option with confidence and clarity. Whether you’re considering a Reverse Mortgage or simply curious about its implications, this episode is a must-listen.

Join us as we unravel the mysteries surrounding Reverse Mortgages and offer practical advice to help you avoid common pitfalls. By staying informed and aware, you can protect yourself and your assets while making sound financial choices for the future.

Tune in to our podcast episode and gain a deeper understanding of Reverse Mortgages. Don’t let the allure of quick cash overshadow the importance of due diligence and informed decision-making. Your financial well-being is paramount, and we’re here to guide you every step of the way.

** This episode is dedicated to Mildred Elrod, mother of Tammy Lilly, and the subject case of today’s topic. Her passing in December of 2023 brought to light not only the issues of a Reverse Mortgage; but it spotlights the unconscionable preying on our seniors. From their real estate holdings to potential inheritance by family; the government’s insatiable appetite to misrepresent a “solution” that ultimately is a scheme to deteriorate what should be the people’s rights of ownership, wealth accumulation and future generation of wealth inheritance. **

You Tube:  https://youtu.be/yrZUlpTG7fo

Spotify:  https://podcasters.spotify.com/pod/show/real-homes-to-love/episodes/The-Real-Tea-SPECIAL-Episode-on-Reverse-Mortgages-e2im43i

Decoding Land Contracts:

Decoding Land Contracts: A Blueprint for Real Estate Success

Welcome to our latest podcast episode, where we delve deep into the fascinating world of land contracts. If you’ve ever wondered about the intricacies of these contracts and the opportunities they offer to both buyers and sellers in real estate transactions, then this episode is a must-listen for you.

We begin by unraveling the complexities of land contracts, shedding light on the fundamental concepts that underpin these agreements. Whether you’re a prospective buyer or seller, gaining a deeper understanding of land contracts can provide you with invaluable insights and knowledge to make informed decisions.

One of the key takeaways from this episode is the importance of working with experienced professionals such as your Realtor and Legal Counsel. These experts play a vital role in guiding you through the nuances of land contracts, ensuring that your financial needs and goals are met with clarity and transparency.

By fostering open and honest communication with your team of professionals, you can pave the way for a successful transition to your next home. Whether you’re looking to buy or sell real estate, the knowledge gained from this episode will empower you to navigate land contracts with confidence and precision.

Don’t miss out on this opportunity to gain a blueprint for real estate success. Tune in to our podcast episode and unlock the secrets of land contracts, setting the stage for a seamless and rewarding real estate journey. Your dream home awaits, and understanding land contracts is the key to unlocking its doors.



Buy or Sell First?

Buy or Sell First? This question revolves around the complexities of timing in the real estate market. With low inventory and high demand, deciding whether to buy first or sell first can seem like a real estate version of “which came first, the chicken or the egg?” Tammy and Elle share their perspectives on this process, offering valuable insights and considerations to help listeners navigate this crucial decision.

In today’s market, nearly everyone is grappling with the same dilemma. You might be thinking, “I need to sell my house to buy my next one, but what if I can’t find a new home in time?” Or perhaps, “If I wait to sell, will my contingent offer even stand a chance?” These are valid concerns, and this episode aims to address them head-on.

Through candid discussions and expert advice, Tammy and Elle guide listeners in understanding the implications of buying or selling first. Whether you’re a seasoned homeowner or a first-time buyer, this episode is packed with valuable information to help you make informed decisions about your next move in the real estate market.

Tune in to gain clarity and confidence in navigating the buying vs. selling dilemma. Let Tammy and Elle’s insights empower you to take the next steps towards your dream home without the stress of uncertainty. Don’t miss out on this episode—it’s time to sip The Real-Tea and make informed real estate decisions!



Unlocking the Secrets of the Loan Process:

Unlocking the Secrets of the Loan Process: A Conversation with Mortgage Advisor Justin Williams

Are you in the midst of navigating the complex world of home buying? Perhaps you’re curious about the loan process and eager to gain insights from a seasoned expert. Look no further than our latest podcast episode featuring Justin Williams, a Mortgage Advisor with Union Home Mortgage.

In this special episode, we dive deep into the crucial aspects of the loan process that every prospective homebuyer should know. From essential questions to ask to key considerations, Justin shares valuable perspectives and insider tips to demystify the loan journey.

Whether you’re a first-time homebuyer or seasoned in real estate transactions, this episode promises to equip you with the knowledge and confidence to navigate the loan process effectively. Don’t miss out on this valuable opportunity to unlock the secrets of securing a mortgage and making informed decisions for your home purchase.

Tune in to our podcast and join the conversation with Justin Williams to gain invaluable insights and empower your home buying journey. Your dream home awaits, and understanding the loan process is the key to unlocking its doors.

What sets this episode apart is the opportunity for you, our listeners, to directly engage with Justin. Do you have burning questions about mortgages, lending criteria, or financial considerations? Comment below and share your questions with us, and we’ll put Justin back in the hot seat to provide clarity and expert advice.