by Tammy Murphy | Mar 31, 2026 | Belmont, BLOG, Buyers, Centerville, Clearcreek Township, Current Events, Estate Planning, Kettering, Miami Township, Miamisburg, Neighbor Chat, Networking, Oakwood, Oregon District, Real Estate News, Real Homes to Love, Sellers, Senior Living, South Park, Springboro, Sugarcreek Township, Washington Township, West Carrollton
🏡 Declutter to Dollars: Turns “Stuff” Into Cash…
Declutter to Dollars is a new service designed to help homeowners sell household items with less effort and less moving. Whether you are downsizing, right-sizing, or simply ready to clear space, this structured approach allows items to be sold in place, through a virtual storefront, or via a Pop-Up setting for smaller items—creating a more convenient and efficient way to transition.
If you’ve ever thought…
👉 “What am I going to do with everything in this house?”
👉 “I know there’s value here, but it feels overwhelming…”
You’re not alone.
One of the biggest challenges homeowners face—whether preparing for a move, downsizing, or simply reclaiming space—is not the home itself…
…it’s everything inside it.
That’s exactly why we created Declutter to Dollars.
This is a simple, structured way to:
✔ Turn unused household items into cash
✔ Clear space without the chaos of traditional sales
✔ Avoid last-minute stress before a move
As an added service through our brokerage, Declutter to Dollars fills a gap in the current market by offering a flexible, organized alternative to traditional consignment and resale. With options for in-home sales, virtual listings, and Pop-Up opportunities, this service is tailored to the type and volume of items—providing a customized approach that works for each client’s situation.
No crowds. No guessing. No overwhelm.
👉 You can preview how this works here: https://rh2l.com/declutter-to-dollars/
Preview our Inventory here: https://rh2l.com/store-items-available/
(This page is currently in testing and not yet linked on the main site—so you’re getting an early look.) AND YES, I welcome your FEEDBACK!!
💡 Why This Matters
Most people don’t realize how much value is sitting right in their home.
Furniture, décor, clothing, and everyday items can quickly add up—but without a plan, it often gets pushed aside or donated without a second thought.
Declutter to Dollars gives you a way to:
👉 Simplify your space
👉 Create extra cash
👉 Move forward with clarity
“Sell in place. Simplify your space. Move forward.”
🎯 SPECIAL OFFER
🎉 No Consignment Fees – Limited Time
To introduce this new service, I’m offering:
👉 NO consignment fees for the month
If you’ve been thinking about clearing things out, this is the perfect opportunity to try it—without added cost.
(In the future, this service will include a base setup fee and consignment structure—but for now, I’m opening this up to clients who want to take advantage early.)
📣 If You’re:
- Thinking about selling
- Downsizing
- Cleaning out a home or helping a family member
- Or just ready to reclaim your space
👉 Let’s talk.
I’ll help you create a simple plan to turn what you no longer need into something valuable.
Reply to this email or reach out directly to get started.
by Tammy Murphy | Mar 21, 2026 | Buyers, Investor Relations, Market Updates, Neighbor Chat, Networking, Real Estate News, Real Homes to Love
The Dayton housing market saw a slight seasonal slowdown in February, largely influenced by extended cold temperatures and winter weather — but the overall story remains one of stability and continued price growth.
Even with fewer homes coming to market and a small dip in sales activity, home values continued to rise, reinforcing the strength of our local market.
📊 Key Market Highlights
- New Listings: 1,076 (down 3.8%)
- Closed Sales: 906 (down 2.3%)
- Total Sales Volume: $259.9M (up 2.3%)
- Median Sale Price: $252,750 (up 5.4%)
- Average Sale Price: $286,835 (up 4.7%)
- Inventory: 1,926 homes
- Months of Supply: ~2 months
💰 Prices Continue to Lead the Story
While activity slowed slightly, pricing continued to climb.
The median and average sale prices both posted solid year-over-year gains, showing that buyer demand remains strong enough to support appreciation, even during a slower winter month.
🏠 Inventory Remains Tight
At just 2 months of supply, Dayton continues to operate in a seller’s market.
Even though inventory is slightly improved compared to recent years, it remains below the level considered balanced — meaning well-prepared homes are still moving quickly.
❤️ What This Means
This is not a declining market — it’s a seasonally adjusted, stabilizing one.
- Sellers continue to benefit from strong pricing
- Buyers are seeing slightly less competition than peak seasons
- Strategic timing and preparation matter more than ever
📞 Planning Your Next Move?
As we head into the spring market, now is the time to prepare — whether you’re buying, selling, or simply exploring your options.
👉 Let’s connect and create a plan that fits your goals.
by Tammy Murphy | Feb 28, 2026 | Buyers, Neighbor Chat, Real Estate News, Real Homes to Love, Sellers
Timing the Market vs. Preparing for the Market
Trying to perfectly time the real estate market is a bit like trying to time the stock market. The ideal moment rarely announces itself. What we can control is preparation.
Right now we are in that sweet spot:
-
Buyers are becoming more active
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Sellers are beginning to prepare homes
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Inventory hasn’t yet reached peak spring levels
-
Serious buyers are already watching closely
The early movers often benefit the most.
🏡 For Sellers: Beat the Spring Rush
Spring historically brings more listings — which also means more competition.
Listing just before the full wave hits can offer:
The market doesn’t wait for flowers to bloom. It moves when buyers are ready — and many are ready now.
If your home is show-ready, this transition window can be powerful.
🔑 For Buyers: Opportunity Is Knocking
Longer days mean more showing opportunities, extended open house windows, and renewed inventory growth. But remember — more inventory also brings more buyers into the mix.
Acting early in the season allows you to:
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Shop before peak competition
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Negotiate while inventory is still building
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Lock in a plan before bidding intensity rises
Preparation beats hesitation every time.
by Tammy Murphy | Feb 12, 2026 | BLOG, Buyers, Current Events, Investor Relations, Market Updates, Neighbor Chat, Networking, Real Estate News, Real Homes to Love, Sellers
While National Sales Slowed in January… Dayton Started 2026 Strong
January 2026 housing data is a tale of two markets.
Nationally, the numbers came in softer than expected. Existing-home sales declined 8.4% in January to a seasonally adjusted annual rate of 3.91 million. Month-over-month and year-over-year sales fell across all regions.
Economists pointed to unusually cold temperatures and above-normal precipitation as likely contributors, making it difficult to determine whether January’s dip reflects broader economic forces or simply weather-related delays.
However, there is an important national takeaway: affordability has been improving for several consecutive months, and homeowners continue to build long-term equity and wealth.
So while transaction counts were lower nationally, the fundamentals are stabilizing.
And then there’s Ohio.
Ohio Outperformed — And So Did Dayton
After attending our State Winter Conference and hearing the national economic review firsthand, one statement stood out:
“Ohio outperformed the national average by 6.9% in 2025.”
That strength carried right into January.
According to Dayton-area MLS data, our local market told a very different story:
And it gets even stronger.
Sales Volume
Pricing Strength
-
Average sale price: $276,169 (up 2.5%)
-
Median sale price: $237,500 (up 3%)
Inventory Growth
And remember — this happened during one of the coldest January stretches in recent years.
What This Means for Buyers & Sellers in Dayton
While national headlines highlight slowing sales, Dayton demonstrated:
✔ Stable demand
✔ Healthy appreciation
✔ Increasing listing activity
✔ Balanced inventory growth
This is not a stagnant market.
This is a steady, functioning, resilient one.
Affordability is gradually improving due to wage growth and slightly lower mortgage rates. Combine that with Ohio’s relative price point, and our region continues to be positioned as a value-driven market with long-term upside.
The Bigger Picture
National media often focuses on slowdown, price corrections, or interest rates.
But real estate is hyper-local.
And locally?
Dayton began 2026 with:
That tells a very different story than the national narrative.
If you’re watching the market — whether as a homeowner, buyer, investor, or simply someone who cares about local economic strength — January shows that our region remains notably strong.
And that’s something worth paying attention to. Want an even more micro-view on your neighborhood activity? Tammy is happy to pull the specific data for you 🙂
by Tammy Murphy | Feb 10, 2026 | Buyers, Current Events, Neighbor Chat, Networking, Real Estate News, Real Homes to Love
🏡 A New Way for Ohio Buyers to Build Their Down Payment Faster
If you’ve been watching the market and thinking, “I’m close… but I need a little more saved,” this new statewide program may be exactly what you’ve been waiting for.
Ohio has launched a savings initiative designed to help residents grow their down payment funds more efficiently through participating banks and credit unions. Instead of a standard savings account earning minimal interest, qualified buyers can take advantage of enhanced earnings while they prepare to purchase.
In today’s environment — where purchase prices and interest rates require thoughtful planning — structured savings can make a real difference.
Why This Is Important for Buyers
One of the biggest hurdles to homeownership isn’t monthly affordability — it’s the upfront cash needed for:
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Down payment
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Closing costs
-
Prepaid escrows
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Moving expenses
We regularly meet buyers who are financially responsible, gainfully employed, and fully ready for ownership — but they need more time to strengthen their savings.
This new Ohio program creates:
✔ A disciplined savings pathway
✔ Potential interest advantages
✔ Possible state tax benefits
✔ A defined timeline to move from “thinking about it” to “ready to buy”
And when you combine smart saving with proper pre-approval planning, the buying process becomes much more strategic.
What Buyers Should Know
The program is designed for Ohio residents preparing to purchase a primary residence in Ohio. Funds are intended specifically for down payment and closing cost use.
There are minimum and maximum balance guidelines and a five-year usage window — so this isn’t just a savings account, it’s a goal-oriented one.
Participating financial institutions are already enrolling eligible applicants, and additional banks and credit unions are expected to join.
(We’ve linked directly to the official Ohio Treasurer page here for full details and enrollment information.)
The Bigger Picture
Programs like this signal something important:
Ohio wants to strengthen homeownership.
And that aligns directly with what we believe at RH2L — homeownership builds stability, equity, and long-term opportunity for families and communities.
If you’re:
• Renting but considering ownership
• Planning a move within the next 1–3 years
• Helping a child or grandchild buy their first home
• Or simply unsure what your buying power looks like
Now is a great time to create a strategy.
Let’s Build a Plan — Not Just a Wish
Saving is one part of the journey. Understanding credit, debt-to-income, loan options, and local market trends is the other.
If you’d like a customized homebuyer readiness conversation — no pressure, just information — I’d love to help you map out your next steps.
Because “almost ready” is often closer than you think. ❤️🏡
by Tammy Murphy | Feb 4, 2026 | Neighbor Chat, Real Homes to Love
A New Chapter — With the Same Commitment to You 🏡❤️
February is often called the month of love — and for me, that couldn’t be more fitting.
For more than two decades, my professional life has been centered on homes, people, and community. I’ve had the privilege of walking alongside many of you through some of life’s biggest decisions — buying your first home, selling a family home, downsizing, investing, or simply trying to understand how property decisions affect your financial future.
That commitment hasn’t changed.
And it won’t.
I want you to hear this directly from me: the same representation, advocacy, and care you’ve experienced firsthand will continue.
Why I’m Running
I’m stepping forward to run for Montgomery County Auditor because I believe this role should be about service, fairness, and clarity — not politics. Over the years, I’ve seen how confusing property values, assessments, and taxes impact real people: families, seniors, small business owners, and long-time homeowners.
This isn’t a departure from my work — it’s an extension of it.
Real estate has never just been a job for me. It’s a passion rooted in helping people protect what is often their largest investment, understand the systems that affect it, and feel confident rather than overwhelmed.
What Stays the Same
✔️ You’ll continue to receive honest guidance
✔️ You’ll continue to receive education — not pressure
✔️ You’ll continue to receive advocacy — whether you’re buying, selling, or simply asking questions
✔️ You’ll continue to work with someone who believes homeownership matters
Real estate remains a core part of who I am and how I serve. That doesn’t stop — and it doesn’t get replaced.
What Expands
Running for Auditor allows me to take that same practical, real-world experience and apply it on a broader scale — advocating for transparency, fairness, and accountability for all property owners across Montgomery County.
At its heart, this campaign is still about people.
Still about homes.
Still about protecting what matters.
Thank you for trusting me over the years. Thank you for the conversations, encouragement, and support that led me here. And thank you for allowing me to continue serving — just in a new way, with the same heart.
Home is where the heart is — and service is where mine has always been. ❤️
