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.
Welcome to 2219 Bradley Court, a charming brick ranch located on a quiet cul-de-sac in a convenient area of Bellbrook.This home offers a comfortable and inviting layout with a natural flow between the main living spaces.
Welcome to “Warm and Cheerful Centerville,” a property that perfectly blends peaceful living with the convenience of one of Centerville’s most active community districts.Situated on a spacious .63-acre cul-de-sac lot, this charming brick ranch offers privacy, mature trees, and outdoor spaces designed for relaxation.
WELCOME to this beautifully maintained Maronda Homes of Cincinnati build, completed in 2021 and offering over 2,700+ square feet of living space. Located in the highly sought-after Ponde Creek Subdivision and situated on a .312-acre cul-de-sac lot, this home features a flexible layout with 3 bedrooms plus a loft, providing an ideal bonus space for recreation, work, or relaxation.
1 W Main Street, Spring Valley, OHNow Available for Lease – Mixed-Use Living & Business OpportunityImagine the possibilities of being able to LIVE, WORK, and RELAX all in the same space — right in the heart of historic Spring Valley! That’s just one of the many opportunities presented by this beautifully restored two-story brick home, now available for lease.
Charming Brick Ranch in West Carrollton – Estate Pre-Sale OpportunityWelcome to this well-loved 3 bedroom, 2 bath brick ranch offering 1,473 square feet of comfortable living space in a convenient West Carrollton location.Inside, you’ll find a formal living and dining area, a kitchen with an eat-in counter, and a cozy family room with a fireplace (never used).
Two Dwellings with a total of 5,188 sq. ft. - 3 bed/3 bath in Barndominium and 4 bed/1.5 bath in farmhouse on over 9 Acres!! Discover this one-of-a-kind property nestled in the serene countryside of Hillsboro, Ohio. Offering two distinctive dwellings on just over 9 acres, this is the perfect place for anyone seeking a unique blend of charm, space, and modern comfort.
Welcome to low-maintenance living at its finest in this stunning second-level condo in the sought-after Waterside at Settlers Walk! The original owner spared no expense when choosing upgrades in this Fischer Homes Baypoint II floor plan, creating an open and inviting layout perfect for modern living.
Welcome to Wolf Creek Run and this delightful ranch home that is just waiting for YOU! Picture perfect moments await as the open living to kitchen comes complete with a large island that allows for gathering while prepping and staying apart of the activities with friends and family.
Welcome to this beautifully updated two-story home that seamlessly blends modern comfort with timeless design. Situated in a desirable neighborhood, this home offers over 2,000 square feet of thoughtfully designed living space, perfect for today’s lifestyle.
Protecting Property Rights: The Fight for Huston Cemetery and Community Integrity
As real estate professionals, we often find ourselves at the intersection of development and community values. One such case is currently unfolding in Sugarcreek Township, where a historic burial site—Huston Cemetery—faces the threat of being relocated to make way for a new housing development. This issue isn’t just about the development of much-needed new homes; it’s about respecting the history, honoring those who came before us, and upholding the integrity of the community we all work hard to build.
Huston Cemetery, a burial site dating back over 150 years and containing the remains of at least eight individuals, including military veterans, is under scrutiny as part of a proposed 80-home development. Originally, the Sugarcreek Township Trustees promised that the cemetery would be preserved, but after claims from the developer that the site interferes with a right of way, the Trustees voted to relocate the graves to another cemetery. This move has sparked a wave of outrage from residents who feel their voices were not heard, despite overwhelming opposition at public hearings. Especially since the developers own website STILL reflects the cemetery in place.
As Realtors, we believe in the importance of property rights—whether the property in question is a home, a business, or even the final resting place of those who contributed to the community. When decisions are made without fully considering the wishes of the people, it erodes the trust and respect between residents and their local government. The case of Huston Cemetery is a reminder that respecting property rights goes beyond the tangible—it’s about maintaining the spirit of a community that honors its past while working toward the future.
This isn’t just a matter of rezoning for new housing. It’s a question of how we balance progress with respect for those who live, work, and contribute to the fabric of our community—whether in life or death. The Township Trustees’ decision to move forward without adequate public discussion, communication with ALL Family Members of those buried, and without considering the concerns of the community could have long-lasting consequences on the spirit of unity that makes our neighborhoods thrive.
As part of the real estate community, we advocate for the rights of every property owner, and that includes advocating for the preservation of historic sites and the dignity of those interred. When the public’s wishes are ignored in favor of development without purpose, we risk losing the very foundation of what makes our communities special.
The move to relocate Huston Cemetery is a serious issue that raises questions about the values we uphold as a community. We urge everyone to speak up, contact the Township Trustees, and express their concerns about the preservation of this historic site. Together, we can work to ensure that development occurs in a way that respects the history and the people who have supported this community for generations.
Reach Out to State Representatives: Advocate for state-level involvement to help preserve the cemetery. https://turner.house.gov/
Engage with the Developer: Encourage the developer to explore alternatives that do not involve the relocation of the cemetery. https://clearcreekoh.com/ (Yes, I know that looks like a municipal website address, but it is the developers!)
Support Public Petition Efforts: Join the efforts to petition for a public vote on the matter to ensure the community’s voice is heard. Sign the Petition https://chng.it/LKF2W4vVFP
At the end of the day, we all share a stake in creating communities that are built on respect, trust, and a sense of shared purpose. Let’s work together to ensure that the story of Houston Cemetery is one of preservation, not relocation. Stand with us to protect property rights and community integrity. Our next Podcast episode will speak on this matter further – be sure to TUNE IN and SHARE THIS POST AND VIDEO TO RALLY SUPPORT. @realhomestolove3939
March 2025 Real Estate Market Update: A Mixed Start to the Year
As we move further into 2025, the Dayton real estate market shows both signs of resilience and areas of slower growth. While the number of new listings has increased, we’re seeing fewer closed sales compared to last year. Despite these changes, home prices continue to rise, signaling strong demand in our local market.
March Highlights
In March 2025, the Dayton market experienced a 5.03% increase in the number of new listings, with 1,482 properties hitting the market compared to 1,411 in March 2024. However, the number of homes sold decreased by 10.72%, with 1,058 transactions recorded compared to 1,185 last year. This drop in sales contributed to an 8.72% decrease in total sales volume, which reached $300.8 million, down from $329.5 million in March 2024.
Despite the decline in sales, the median sale price saw an increase of 3.37%, reaching $241,050, while the average sale price rose by 2.24% to $284,303. This continued growth in prices suggests that the demand for homes remains strong, even as the pace of sales slows.
The inventory of available homes stood at 1,580 properties at the end of March, with 1,868 properties listed as pending sale. This indicates a relatively tight market with continued buyer interest.
Year-to-Date Performance (January – March 2025)
Looking at the first quarter of 2025, the market is following similar trends to what we saw in March. New listings decreased by 2.39%, with 3,683 properties listed compared to 3,773 in the same period of 2024. Sales for the first three months of the year have also decreased by 13.45%, with 2,748 homes sold, down from 3,175 in 2024.
The total sales volume year-to-date is $761 million, reflecting a 10.53% decrease from the $850.8 million in 2024. However, the median sale price for the year has increased by 4.44%, reaching $235,000, and the average sale price has risen by 3.37%, now at $276,988. This price growth shows that while fewer homes are being sold, those that are on the market are still commanding higher prices.
The MLS inventory at the end of March showed 1,580 active listings, translating to a 1.5-month supply based on the current pace of sales. This indicates that the market remains competitive, with inventory still being absorbed quickly.
What Does This Mean for You?
For buyers, the market remains competitive, with prices continuing to rise despite the slowdown in sales. While the number of available homes is still relatively low, it’s essential to act quickly when you find the right property.
For sellers, the market continues to offer strong price appreciation, even though the number of sales has decreased. If you’re thinking of selling, now is still a good time to capitalize on the growing home prices.
Let’s Connect!
Whether you’re looking to buy, sell, or just stay informed about market trends, we’re here to help you navigate the evolving real estate landscape. Reach out for a no-obligation consultation and get insights tailored to your needs.
Ready to Stop Renting? A First-Time Homebuyer’s Guide to Building Wealth Through Real Estate
If you’re tired of renting and dreaming about a place to truly call your own, you’re not alone. For many first-time homebuyers, the idea of owning a home can feel both exciting and overwhelming. Where do you start? Can you afford it? Is it better than renting?
Let’s break it down into clear, simple steps—because owning a home isn’t just a dream; it’s a smart move toward building long-term wealth.
Renting vs. Owning: What’s the Real Difference?
Renting means you’re paying to live in someone else’s property. Every rent check you write helps your landlord build their equity. It’s convenient, sure—but there’s no return on your investment.
Owning a home means your monthly mortgage payments are going toward something you own—an asset that can grow in value over time. This is called equity.
Let’s do the math:
Renting at $1,200/month for 5 years = $72,000 spent
Owning with a $1,200 mortgage for 5 years? You’ve paid down your loan AND likely increased your home’s value = equity in your pocket
Equity = Ownership = Wealth
Can You Afford a Home? Here’s What to Know About Home Loans
One of the biggest myths is that you need a 20% down payment. That’s outdated. In reality:
FHA Loans require as little as 3.5% down
Conventional Loans may offer options with 3–5% down
VA & USDA Loans offer 0% down for eligible buyers
Lenders will also look at your credit score to determine your interest rate.
How Your Credit Score Impacts Your Buying Power
Your credit score is a number (300–850) that shows how trustworthy you are with money. It plays a huge role in what kind of mortgage you qualify for—and what it costs you.
Credit Score
What It Means
Loan Impact
740+
Excellent
Best rates available
680–739
Good
Competitive rates
620–679
Fair
Higher interest, more scrutiny
Below 620
Poor
Tough to qualify without large down payment
How to Build a Strong Score:
Pay your bills on time
Keep credit card balances low
Don’t open or close accounts unnecessarily
Check your credit report for errors
Understanding Your Monthly Mortgage Payment
Your monthly mortgage includes:
Principal (the amount you borrowed)
Interest (what the bank charges to lend you money)
Taxes (property tax)
Insurance (homeowners insurance)
Example: A $125,000 loan at:
4% interest = ~$796/month
7% interest = ~$1,031/month
The higher your credit score, the lower your interest rate—which means lower monthly payments and more money saved over the life of the loan.
The Long-Term Wealth Advantage: Home Equity
Every time you make a mortgage payment, you’re buying a little more of your home. Over time, as home values go up and you pay down your loan, you build equity—which is your ownership in the property.
You can use home equity later for:
Home improvements
Paying off debt
College tuition
Retirement
Or just living in a home that’s 100% yours one day
Final Thoughts: Is Now the Right Time for You?
Renting offers short-term flexibility—but little to no long-term gain. Owning a home gives you stability, freedom, and a powerful tool to build financial wealth.
The best part? You don’t have to figure it out alone.
Thinking about buying your first home? Let’s talk. We’ll walk through your options, check your eligibility, and get you closer to owning a place you love—and a future you’re proud of.
Contact Tammy at [email protected] Or call (937) 838-0997 to get started.
Because your future isn’t meant to be rented—it’s meant to be owned.
Spring Storm Season: Are You Prepared? Essential Tips for Home Safety
Spring is here, and with it comes the unpredictable weather we know all too well. As we transition from mild days to potential thunderstorms, tornadoes, and high winds, it’s crucial to ensure that you and your family are prepared for whatever comes your way. Whether you’re a longtime client or a part of our local community, your safety is always our top priority—especially as we enter this storm season.
Home Safety First: What to Keep in Mind
At [Your Business Name], we care deeply about our clients and communities, and we know how overwhelming it can be when severe weather strikes. That’s why we’ve created a helpful Spring Storm Preparedness Checklist designed to guide you through essential steps to protect your home and family. Here are a few highlights from our checklist to help you get started:
Before the Storm: Safeguarding Your Home
When it comes to storm safety, preparation is key. Start by securing your home to minimize potential damage:
Trim trees and bushes around your home to prevent branches from becoming dangerous projectiles during high winds.
Reinforce windows and doors: Adding storm shutters or plywood can protect your home from flying debris.
Clear gutters and drains to prevent water backup and reduce the risk of flooding in and around your property.
As part of our commitment to your safety, we’ve created a detailed Spring Storm Preparedness Checklist that covers everything you need to know about staying safe during the storm season. Whether you’re preparing for a mild spring storm or a more intense weather system, our checklist will guide you through each step, from packing your emergency go bag to securing your home.
We encourage you to CLICK HERE to download your free checklist and make sure you’re fully prepared.
Moving to Dayton, Ohio? Here’s What You Need to Know Before Buying a Home
Thinking of moving to Dayton, Ohio? You’re not alone. With its affordable housing, diverse neighborhoods, and strong sense of community, Dayton continues to attract first-time buyers, growing families, and relocating professionals — especially those tied to Wright-Patterson Air Force Base.
As “born & raised” in the Dayton area, and a full-time Realtor since 2001, I know exactly what makes this region shine — and what to watch for when house-hunting here.
Why Dayton?
Dayton offers the perfect blend of city amenities and suburban ease. Whether you’re looking for top-rated schools, local charm, or access to major highways, the Dayton metro delivers: (just a few highlights)
Englewood & Clayton: Affordable homes, excellent parks, and a tight-knit community vibe
Oakwood & Springboro: Family-friendly with “excellent” rated schools and walkable town centers
Fairborn & Beavercreek: Ideal for military and their families near Wright-Patt with new developments
New Lebanon & West Carrollton: Great for investors or budget-conscious buyers
Kettering & Centerville: More established suburbs with retail, restaurants, and medical care access
Trotwood & Brookville: Business-friendly environments, strategic locations with development initiatives
️ What Buyers Should Know Before the Move
Understand Property Taxes: Each suburb has different millage rates — it pays to check before choosing your city.
School Districts Matter: Even if you don’t have kids, districts like Springboro, Centerville, and Oakwood affect resale value.
Weather = Home Maintenance: Be ready for both snow and storms — look for newer roofs, updated HVACs, or home warranty options.
Commute & Connectivity: I-70, I-75, and Route 35 make the area incredibly mobile — especially helpful if you’re relocating for work.
Pro Tip: Work With a Local Realtor Who Knows the Terrain
From VA loan specifics to zoning quirks and off-market opportunities, working with a hyperlocal agent gives you an edge. I’ve helped hundreds of families — including first-time buyers, military transplants, and seniors — make their move to the Dayton region stress-free.
Let’s Talk About Your Move
If Dayton is calling your name, I’d love to help you find a home that fits your lifestyle and your budget. [email protected] | Call/Text: 937-838-0997
The real estate brokerage with a heart! Helping you as buyers and sellers in today's real estate market. RH2L is "Real Homes To Love" and your choice for professional real estate services in today's market! Office hours by appointment.
