This week on the Team Lally Real Estate Radio Show, we interview Kenji Vendetta of Pillar to Post, one of our trusted Experts We Trust. Kenji draws from inspecting over 1,000 homes to explain why consistency and objectivity matter in home inspections. He highlights advanced tools like infrared and 360-degree imaging, shares practical tips for buyers and sellers, and walks listeners through how to choose a reputable, properly certified inspection company. Who is Kenji Vendetta? Kenji Vendetta is a proud Waianae native who attended Maili Bible High School and brings both local roots and a growth-driven mindset to everything he does. With a strong passion for self-improvement and business, Kenji spends his free time diving into podcasts focused on financial literacy and smart marketing strategies. His dedication and expertise led him to join Pillar To Post when the previous owner needed support to handle increasing demand, and following a change in ownership in 2018, Kenji was retained to lead daily operations and oversee inspections. Today, as Lead Home Inspector, he is known for his professionalism, attention to detail, and commitment to helping homeowners truly understand their property. Founded in 2016, Pillar To Post Home Inspectors has grown into a trusted operation with three full-time inspectors and the backing of over 500 franchisees across North America. The team specializes in identifying safety concerns, structural integrity issues, and defects that could lead to future damage—while offering a level of service few inspection companies can match. Clients receive an on-site binder presentation with a full printed report, and depending on the inspection package, may also benefit from thermal imaging scans, appliance safety recall checks, health-related considerations for families with medical concerns, and lifetime customer care for as long as they own the home. It’s a comprehensive, high-touch approach that sets Pillar To Post apart in the home inspection industry. To reach Kenji Vendetta, you may contact him in the following ways: Phone: 808-492-1675 Email: Kenji.Vendetta@PillarToPost.com

This week on the Team Lally Real Estate Radio Show, we interview Chanda Park of SafeRide Hawaii. Chanda shares the powerful story behind the creation of SafeRide Hawaii following the tragic loss of her daughter, Azalia. She explains how SafeRide Hawaii prevents impaired driving by providing safe rides for intoxicated drivers and their vehicles and invites audience to support the mission through volunteering and participating in their upcoming annual sign-waving event—highlighting the power of community-driven safety. In Experts We Trust, Benjy Gilholm of Hawaii Referral Agent and Danny Langerman of DHA Financial share timely insights for real estate professionals and consumers alike. Benjy explains how Hawaii Referral Agent supports licensed agents through a low-overhead, referral-based model, while Danny breaks down Hawaii’s increased conforming loan limits, the difference between conforming and jumbo loans, and why locking in the right financing can create long-term advantages. Who is Chanda Park? Chanda Park is the Executive Director and co-founder of SafeRide Hawaii, a nonprofit organization rooted in compassion, advocacy, and community safety. Following the tragic loss of her 21-year-old daughter, Azalia, to a drunk-driving incident in 2020, Chanda transformed personal heartbreak into a powerful mission to prevent impaired-driving tragedies across Hawaiʻi. In addition to her leadership at SafeRide Hawaii, she also serves as a Senior Marketing Director with World Financial Group and a Financial Professional at World System Builder, bringing strategic insight, empathy, and purpose to every role she holds. Through education, outreach, and leadership, Chanda continues to inspire safer choices and meaningful change statewide. SafeRide Hawaii is a nonprofit dedicated to preventing impaired-driving tragedies by helping people—and their vehicles—get home safely. The organization provides a unique and proactive solution by arranging sober drivers who can transport individuals and their cars, removing barriers that often lead to dangerous decisions. Beyond rides, SafeRide Hawaii focuses on education, awareness, and community partnerships to promote advance planning and responsible behavior. Guided by the belief that every life matters and every tragedy is preventable, SafeRide Hawaii is working toward a future where impaired driving is no longer a threat to Hawaiʻi’s families and communities. To reach Chanda Park, you may contact her in the following ways: Phone: (808) 900-4610 Website: saferidehawaii.org Links to social media: https://www.facebook.com/saferidehawaii https://www.instagram.com/saferidehawaii/

This week on the Team Lally Real Estate Radio Show, we interview Janyce Myrland of Dream House Drafting, Inc. Janyce breaks down the newest bill and ordinance shaping Oahu’s ADU and Ohana unit development—what the rules are, what homeowners must understand, and how to stay compliant. She explains key differences between ADUs and Ohana units, why Ohana units require related occupants, and why meeting all development standards is critical. Janyce also shares real-world challenges, including a cautionary story of costly fines resulting from unpermitted work. In Experts We Trust, we have Danny Langerman of DHA Financial, LLC unpacks the concept of the 50-year mortgage. Danny walks through its potential benefits and drawbacks, why banks may hesitate to adopt it, and the importance of refinancing strategically. Adrienne and Attilio offer alternative viewpoints, including using buy-downs and temporary buy-downs to create affordability without extending loan terms. Who is Janyce Myrland? Janyce is the President and Lead Designer of Dream House Drafting, Inc., bringing together technical precision and creative vision in every project she leads. With a strong foundation in Design and Drafting Technology from New York City College of Technology, she has spent years helping homeowners translate ideas into buildable, permit-ready plans. From ADUs and YouTube units to full remodels and new construction, Janyce is known for guiding clients through complex design and permitting processes while keeping their lifestyle, goals, and long-term plans front and center. Dream House Drafting, Inc. specializes in residential design and drafting services tailored to Hawaiʻi’s unique building requirements. The firm supports homeowners, investors, and builders with everything from conceptual design and architectural drafting to permit submittals and revisions, helping projects move forward smoothly and efficiently. With a strong emphasis on clarity, compliance, and thoughtful design, Dream House Drafting serves as a trusted partner for turning visions into well-planned, build-ready realities. To reach Janyce Myrland, you may contact her in the following ways: Phone: (808) 206-7107 Email: designer@dreamhousedrafting.com Website: dreamhousedrafting.com

This week on the Team Lally Real Estate Radio Show, we interview Donovan Noble of Habilitat. Donovan shares the impact of Habilitat’s programs, the heart behind their Christmas Tree Project, and his personal journey of transformation and independence. In Experts We Trust, we have Kyle Shimoda of INPAC Wealth who explains how DSTs can help investors—especially baby boomers—create more income with less hands-on management. Adrienne and Attilio highlight the importance of understanding returns, planning strategically, and choosing investments that balance income, growth, and lifestyle. Who is Donovan Noble? Donovan is a living testament to resilience, growth, and the power of second chances. After transforming his life through Habilitat’s rigorous and life-changing recovery program, Donovan has spent the last two years developing into a multifaceted leader in sales, marketing, public relations, entertainment, events, and fundraising. His journey goes well beyond professional success—he has become a passionate voice for recovery and personal transformation. Through his work and advocacy, Donovan openly shares how structure, accountability, and purpose helped reshape his future, inspiring others who may be searching for a path forward. Habilitat is a Hawaiʻi-based nonprofit organization committed to helping individuals overcome substance abuse and build meaningful, self-sustaining lives. Their long-term residential program emphasizes personal responsibility, discipline, work ethic, and community service—principles designed to create lasting change. For decades, Habilitat has been a cornerstone of recovery and transformation in Hawaiʻi, not only supporting individuals in their journey but also engaging the broader community through initiatives like the annual Christmas Tree Project. These programs help fund Habilitat’s mission while reinforcing the organization’s belief that with the right tools and support, people can truly rebuild their lives. To reach Donovan Noble and Habilitat, you may contact them in the following ways: Phone: 808-235-3691 Email: admission@habilitat.com Website: Habilitat.com

This week on the Team Lally Real Estate Radio Show, we interview Gina Hansen, a certified Intuitive Life Designer Coach. Gina shares her powerful story of personal crisis (divorce and cancer) that led her to energy healing. She breaks down her modalities—Emotion Code, Body Code, and Belief Code—explaining how they remove emotional blocks, fix internal "wiring," and rewire the subconscious mind. Gina also delves into the concept of inherited and prenatal emotions that cause generational trauma. She is the author of Soul Rising.  We also have Michael Wong of the Laulima Giving Program. He shares that their biggest needs are cash to cover essentials like rent and utilities, and retail gift cards for gas and groceries to help families in the gap who do not qualify for other assistance. In Experts We Trust, meet the Pie Day sponsors: Bradley Maruyama of Allstate Insurance shares that Allstate can offer insurance for single-wall constructed homes, which many other carriers are avoiding, and explains the critical "Moment of Truth" service during a claim. Brian Samson of Cleanscape offers cleaning tips for the holidays, focusing on overlooked areas like the ice machine and cabinet undersides, noting this is a peak time as people want a clean house for the New Year. Who is Gina Hansen? Gina is a powerful example of resilience and renewal. Born in Hilo and raised in Palolo Valley, she began as a young hula dancer, later performing professionally in Japan and Waikīkī. She then spent 28 years as a Hawaii-based flight attendant, traveling throughout Asia and living a life filled with culture and connection. After major life changes in 2020, she embarked on a deep healing journey that led her to her true calling. Today, she’s certified in The Emotion Code, Body Code, and Belief Code, and works as an Intuitive Life Designer Coach™ and NLP Master Practitioner—helping people and animals worldwide release emotional blocks and rediscover their balance. Her work now extends into Reinvent Midlife, where she guides women through profound personal transformation. Reinvent Midlife is a healing-centered coaching platform devoted to helping women navigate the emotional, spiritual, and personal transitions that often surface during midlife. Through a blend of intuitive coaching and energy work, the program supports women in releasing old patterns, reconnecting with their inner wisdom, and creating a more aligned and fulfilling next chapter. It serves as a compassionate space for growth, clarity, and renewal—empowering women to rediscover who they are and what they truly want as they step confidently into a more purposeful season of life. To reach Gina Hansen, you may contact her in the following ways: Phone: 808-382-7814 Email: reinventmidlife@tm.ginahansen.net Website: reinventmidlife.com Links to social media: https://www.instagram.com/reinventmidlife/ 

This week on the Team Lally Real Estate Radio Show, we interview Nick Krautter, bestselling author of The Golden Handoff. Nick shares the inspiration behind the book, why he released an updated edition, and what readers can expect to gain from it. He also discusses his book Change Your Own Diaper, the qualities he believes lead to lasting success in business and life, and what made him decide to live on a sailboat. We also have our Experts We Trust. Danny Langerman of DHA Financial shares a mortgage tip on the importance of honesty during the pre-approval process, while Amphay Champathong of Estate Planning Group explains why creating a trust is essential and clarify what probate means. Who is Nick Krautter? Nick Krautter is a top-producing Realtor based in Portland, Oregon, where he leads a successful real estate team known for its client-first approach and market expertise. Beyond his work in real estate, Nick is a passionate communicator, writer, and lifelong learner with a love for adventure, food, and conversation. His enthusiasm for the industry—and for helping people achieve their goals—has made him a trusted voice in real estate circles and a frequent media contributor. With an easygoing yet insightful style, Nick continues to inspire agents and clients alike through his leadership, mentorship, and dedication to professional excellence. His book, The Golden Handoff: How to Buy and Sell a Real Estate Agent’s Business, offers a groundbreaking strategy for agents looking to create lasting value from their years of hard work. Drawing from real-world experience, Nick outlines a step-by-step process for transitioning a real estate business so both the retiring and successor agents benefit. Through practical guidance and inspiring stories, The Golden Handoff teaches how to turn relationships into a sellable asset and provides a roadmap for sustainable success in real estate. It’s an essential read for agents at any stage of their career who want to plan for the future and build a legacy that endures. To reach Nick Krautter, you may contact him in the following ways: Phone: (503) 901-8100 Email: nick.krautter@svn.com Website: https://goldenhandoff.com/

This week on the Team Lally Real Estate Radio Show, Adrienne and Attilio talk about the power of consistency in achieving success, with Attilio using the analogy of squeezing an orange to represent results through steady effort. They share their team’s “going green” system—making 100 dials, 10 contacts, or one appointment daily—and provide updates on Oahu’s latest median home and condo prices. Adrienne and Attilio also highlight upcoming events, including their Career Night, the annual Pie Party on November 25, and their Thanksgiving volunteer work with the Salvation Army. They wrap up by inviting listeners to visit open houses in Hau‘ula on and Ocean Pointe to meet the team and explore featured homes. We also have our Experts We Trust. Benjy Gilholm of Hawaii Referral Agent discusses how agents can streamline costs without losing client relationships, and Danny Langerman of DHA Financial breaks down the benefits of reverse mortgages—including how homeowners can eliminate monthly mortgage payments.

This week on the Team Lally Real Estate Radio Show, we interview Augie T and his daughter Mahealani Sims-Tulba, founder of B.R.A.V.E. Hawai‘i. Augie and Mahealani share details about their upcoming BRAVE Hawai‘i event on November 29, an inspiring initiative dedicated to promoting respect, kindness, and service while addressing the growing challenges of bullying and cyberbullying among Hawaii’s youth. Together with Adrienne and Attilio, they explore how families can foster open communication, awareness, and positive behavior in today’s digital age. We also have our Experts We Trust. Amphay Champathong of Estate Planning Group discusses how proper estate planning can protect your assets and loved ones from probate challenges and financial stress, while Danny Langerman of DHA Financial shares why current VA mortgage rates in the 4s make now an ideal time for veterans to refinance and maximize savings. Who is Augie T and Mahealani-Sims Tulba? Augie T is a respected public servant and beloved Hawaiʻi entertainer, known for decades of work in comedy, radio, television, and film. Today, he continues to serve our community as a Honolulu City Council member, bringing the same heart, humor, and local pride that shaped his career. A devoted husband and father, Augie remains committed to uplifting Hawaiʻi families and strengthening our communities with compassion, leadership, and aloha. Mahealani Sims-Tulba is the founder and CEO of B.R.A.V.E. Hawaiʻi and a passionate advocate for youth empowerment. Inspired by her own experiences, she has dedicated her work to helping young people build confidence, resilience, and empathy. Through school programs and community outreach, she empowers students to stand tall, speak up, and support one another, creating kinder and more connected spaces across the islands. B.R.A.V.E. Hawaiʻi — Be Respectful and Value Everyone — is a nonprofit focused on bullying prevention and positive character development. Through educational workshops, events, and youth-led initiatives, the organization encourages kindness, courage, and respect in schools and communities statewide. With a mission rooted in aloha and empowerment, B.R.A.V.E. Hawaiʻi continues to inspire Hawaiʻi’s youth to lead with strength, compassion, and unity. To reach B.R.A.V.E Hawaii, you may contact them in the following ways: Phone: (808) 371-1928 Email: info@bravehawaii.org Website: https://www.bravehawaii.org/

This week on the Team Lally Real Estate Radio Show, we interview Chris Manglallan of Falcon Services. Chris shares how he started his company during the pandemic, the surge in home improvement projects that followed, and his dedication to providing honest, high-quality service. He also explains why it’s crucial to hire licensed and insured contractors, especially for major renovations, and how Falcon Services will continue helping homeowners bring their visions to life—one project at a time. We also have our Experts We Trust. Bradley Maruyama of Allstate Insurance explains why reviewing escrow documents for accurate insurance costs can prevent overpayment, Jodie Tanga of Pacific Rim Mortgage shares how the end of student loan deferments will impact borrowers, and Kyle Shimoda of INPAC Wealth breaks down how a Delaware Statutory Trust (DST) and 1031 Exchange can help real estate investors defer taxes and manage assets efficiently. Who is Chris Manglallan? Chris Manglallan brings more than 15 years of hands-on experience in the construction and home-improvement industry, driven by a genuine passion for helping people create spaces they love. After years of mastering his craft on projects of all sizes—from everyday repairs to full-scale remodels—Chris launched his own business in 2020 to continue doing what he does best: delivering quality work rooted in honesty, integrity, and care. His approach centers on clear communication and personal attention, ensuring every client feels confident and supported from start to finish. As one of our Experts We Trust, Chris exemplifies the blend of skill and service that makes a lasting difference in Hawaii’s homes. Falcon Services LLC is a locally owned and operated construction company offering a full range of general contracting and home-improvement services across Oʻahu. Known for its commitment to craftsmanship, reliability, and customer satisfaction, Falcon Services handles everything from minor renovations to complex build-outs with precision and aloha. The company takes pride in transforming visions into reality—whether refreshing interiors, enhancing curb appeal, or modernizing entire homes—while maintaining transparency and quality at every step. Guided by Chris Manglallan’s leadership, Falcon Services continues to raise the standard for home improvement in Hawaii, one project at a time. To reach Chris Manglallan, you may contact him in the following ways: Phone: (808) 230-0823 Email: cfalconservicesllc@gmail.com Link to social media: www.instagram.com/falconservicesllc/

 This week on the Team Lally Real Estate Radio Show, we interview Joseph Long of Keymasters Locksmith of Hawaii, our new Expert We Trust. Joseph shares his motivation for moving to Hawaii, his passion for building a community-focused business, and the wide range of locksmith services he offers—from traditional rekeys to advanced smart key and fingerprint systems. He also explains the benefits of upgrading to modern security solutions and shares a heartwarming story about helping a couple recover a lost wedding ring at North Shore, highlighting his commitment to service and community. We also have our Experts We Trust. Bradley Maruyama of Allstate Insurance talks about why hurricane insurance is crucial for condos and townhouses, even when it isn’t required by lenders, while Danny Langerman of DHA Financial shares timely mortgage insights, explaining how recent rate cuts present a key opportunity for refinancing and why acting quickly can secure a better deal. Who is Joseph Long? Joseph brings years of locksmithing expertise paired with a strong entrepreneurial background in building and expanding service-based businesses. His locksmithing journey began in Oregon, where his dedication and skill quickly opened doors to leadership and ownership opportunities. After successfully co-owning and growing one of the largest locksmith companies in the region, Joseph and his wife made the move to Hawaii to continue their passion for serving others. His approach is rooted in professionalism, trust, and care—values that guide his mission to help people protect what matters most while fostering lasting relationships within the community. Keymasters Locksmith of Hawaii is a trusted, locally operated company committed to providing top-quality locksmith services across the islands. They specialize in residential, commercial, and automotive locksmithing, offering reliable solutions for everything from key replacements and lock installations to advanced security systems. Backed by years of industry experience and a genuine dedication to customer satisfaction, Keymasters stands out for its fast response times, innovative technology, and aloha-centered service. Whether you’re securing your home, business, or vehicle, Keymasters Locksmith of Hawaii delivers peace of mind—one lock at a time. To reach Joseph Long, you may contact him in the following ways: Phone: (808) 897-4565 Email: hi@keymastershawaii.com Website: Keymastershawaii.com

This week on the Team Lally Real Estate Radio Show, we interview Tran Vo and Barney Spix of First Hawaii Title. They share what title insurance is, how First Hawaii Title sets itself apart, and the unique scenarios where their services go beyond title and escrow. We also hear about their special offering, how Hawaii’s escrow process differs from the mainland, the safeguards they use to prevent scams and fraud, and their advice for homebuyers during escrow. Plus, they reveal how they make agents’ lives easier. We also have our Experts We Trust. Duke Kimhan of Hawaii Pacific Property Management shares why most owners choose them without comparison shopping, the challenges of maintenance, and how fast, confident service makes a difference. Renee Ube of YourVAMatch gives her leverage tip of the week, showing why consistency matters and how virtual assistants help business owners stay on track. And Benjy Gilholm of Hawaii Referral Agent explains how their model protects relationships, helps agents get paid, and creates a smarter way to handle referrals. Who are Tran Vo and Barney Spix? Tran is an Escrow Officer at First Hawaii Title Corporation. Originally from Vietnam and raised in Hawaiʻi, she studied at the University of Hawaiʻi at Mānoa before joining First Hawaii Title in 2019. In her role, Tran offers clients not just technical escrow service but also cultural insight and sensitivity, helping to bridge communication gaps and ensure a smooth experience for diverse stakeholders. Her background as a bilingual professional and her dedication to client care have made her a valuable member of the team. Barney serves as an Account Executive with First Hawaii Title Corporation, where his efforts are centered on building and nurturing relationships with real estate professionals and clients across the islands. In this capacity, he acts as a liaison, helping to match clients and agents with trusted title and escrow services and guiding them through the often complex process of property transactions. His strong networking skills, local knowledge, and client-oriented mindset are key to ensuring that the services First Hawaii Title delivers are well connected and responsive. First Hawaii Title Corporation has been an anchor in Hawaiʻi’s real estate and title services sector, founded in 1985 and now celebrating decades of service. The company maintains multiple offices across the islands—including Honolulu, Kahala, Kihei, and Kapolei—to deliver escrow and title insurance solutions tailored to local needs. With a commitment to long-term relationships, local expertise, and responsive service, First Hawaii Title aims to support real estate transactions with integrity, clarity, and reliability. To reach First Hawaii Title, you may contact them in the following ways: Phone: 808-521-3411 Website: firsthawaii.com

 This week on the Team Lally Real Estate Radio Show, we interview Christopher Lum Lee, founder of TriSec, Inc. He shares his journey from side work in security to building a company, and what he sees ahead for Hawaii’s security industry. From the rising need for guards and spot-check patrols, to the growing role of risk analysis, disaster planning, and even cybersecurity, Christopher explains why demand is shifting and how collaboration has shaped his success. Randy Antonio of KW Maui shares why now may be the bottom of the Maui condo market and where investors should look, while Dean Otto of Cohana Homes introduces co-ownership as a smart alternative to vacation rentals—with the flexibility to exchange stays around the world. Who is Christopher Lum Lee? Christopher was born and raised in Honolulu, spending much of his childhood in Pearl City before moving to town. He graduated from Damien Memorial School, earned his BA from UH West Oʻahu, and later completed his MBA at Chaminade University. With nearly a decade of experience in the security guard industry, Christopher founded his own company after recognizing an opportunity when a contract was at risk of cancellation. Beyond his business, he serves the community as the Chair of the City’s Workforce Development Board and as a member of the State’s Hawaii Correctional Industries Advisory Committee, where he helps advance workforce development, including for incarcerated individuals. His leadership reflects both entrepreneurial drive and a commitment to service. TriSec, Inc., which Christopher incorporated in 2022, began as a security guard service and has steadily expanded its offerings. By 2023, the company added security guard training to help individuals meet state licensing requirements, and later diversified into investments such as bonds, stocks, and private money lending for local real estate projects. More recently, TriSec began offering disaster recovery and business continuity planning consulting. While security guard services remain its primary revenue source, the company has found strong footing in training and investment ventures. Guided by a balance of business growth and community impact, TriSec also contributes philanthropically, supporting local animal shelters and other causes across Hawaiʻi. To reach Christopher Lum Lee, you may contact him in the following ways: Phone: 808-927-3484 Email: admin@trisecinc.com

This week on the Team Lally Real Estate Radio Show, we interview Renee Ube, CEO of YourVAMatch. Renee dives into how virtual assistants create leverage for business owners and real estate professionals, from supporting open houses to strengthening daily operations. She also shares what makes YourVAMatch unique and why the right VA match can take your business further. Mari Eagar of Hawaii Pacific Property Management explains how leaks are managed and prevented, while Danny Langerman of DHA Financial provides a timely mortgage update, rate predictions, and refinancing insights. Joining us also is Dean Otto of Cohana Homes who calls in to share co-ownership opportunities and details on their upcoming webinar. Who is Renee Ube? Renee Ube is a seasoned leader in the real estate support industry, with more than 16 years of expertise in virtual operations and real estate assistance. As CEO of YourVAMatch, she has dedicated her career to helping professionals achieve growth by connecting them with the right virtual assistants. Renee is known for her clarity, care, and strong values of empowerment, integrity, excellence, and growth—principles that guide her leadership style. With her deep understanding of both the challenges and opportunities in real estate, she ensures that business owners and professionals receive the right support to thrive in a competitive market. YourVAMatch is a company committed to bridging the gap between real estate professionals, business owners, and highly skilled virtual assistants. Their mission is to transform businesses by providing tailored VA support that enhances productivity, efficiency, and growth. By taking a personalized approach to matching clients with the right assistants, YourVAMatch ensures long-term success for both sides. With a focus on integrity and excellence, the company has become a trusted partner for entrepreneurs and real estate professionals looking to scale their operations and free up valuable time to focus on what they do best. To reach Renee Ube, you may contact her in the following ways: Phone: (808) 212-9213 Email: info@yourvamatch.com Website: JoinYourVAMatch.com Social Media Links: https://www.instagram.com/yourvamatch/ | https://www.facebook.com/yourvamatch

This week on the Team Lally Real Estate Radio Show, we interview Jodie Tanga, The Mortgage Genius of Pacific Rim Mortgage—one of our trusted experts. Jodie shares why today’s interest rates are at a 20-month low, how her team model sets her apart, and powerful client success stories where creative financing solutions turned “no” into “yes.” She also reveals the meaning behind the “Mortgage Genius” title and why buyers and homeowners alike benefit from having a full support team behind them. We also have our Expert We Trust. Amphay Champathong of Estate Planning Group explains how true estate planning honors a client’s wishes, why defining incapacity is often overlooked, and how to avoid unintended consequences that can leave families stuck. Who is Jodie Tanga? Jodie is a trusted mortgage banker, broker, and loan officer with deep roots in Hawaii’s real estate market. Born and raised in Kailua, she is a proud graduate of Iolani School who went on to earn both her undergraduate and graduate degrees in financial economics from the University of San Francisco. Jodie gained valuable banking experience on the mainland before returning home, bringing with her a unique blend of expertise and perspective. Known for her professionalism and commitment to excellence, she has built her reputation on delivering innovative solutions and personalized guidance for Hawaii homebuyers. Pacific Rim Mortgage, the company Jodie founded, has become one of Hawaii’s leading mortgage firms by prioritizing a client-first approach. With a strong focus on transparency, education, and tailored lending strategies, Pacific Rim Mortgage helps clients navigate the often-complex mortgage process with confidence. Their mission is to simplify financing while empowering buyers with the knowledge they need to make the best decisions for their future. By combining local insight with industry innovation, Pacific Rim Mortgage continues to set a higher standard for mortgage services in Hawaii. To reach Jodie Tanga, you may contact her in the following ways: Phone: (808) 488-5510 Email: mylender@pacrimmtg.com Website: https://pacrimmtg.com/

This week on the Team Lally Real Estate Radio Show, we interview Anusha Paramesvaran, Regional Director of KW Central Southern California. She shares her journey into real estate, the challenges of starting as a new agent, and the powerful lessons she’s carried into leadership. Anusha dives into the importance of joining the right team, how to build relationships that last, and why protecting your mindset is crucial for long-term success in this business. We also have our Experts We Trust. Duke Kimhan of Hawaii Pacific Property Management explains how rent values are set, when to raise them, and a critical update on Hawaii’s pay-or-quit law. Danny Langerman of DHA Financial shares insights on refinancing in today’s market and how to calculate your break-even point when rates drop. Who is Anusha Paramesvaran? Anusha is a seasoned real estate professional who leads with heart, expertise, and a true passion for service. As CEO of Anusha & Associates and Regional Director for United Home Group in Southern and Central Southern California, she has helped close over 800 transactions since 2009. Known for her sharp marketing strategies, 95% of her listings receive offers in less than 11 days. From first-time buyers to investors, she brings clarity, care, and proven results to every client. As Regional Director of KW Central Southern California, Anusha plays a key role in guiding the growth and success of agents across the region. She focuses on leadership, training, and providing resources that empower agents to deliver exceptional results. Her work with United Home Group further extends her impact, ensuring that both clients and professionals have the support they need to thrive in today’s real estate market. To reach Anusha Paramesvaran, you may contact her in the following ways: Phone: (661) 816-6287 Email: anusha.realestate@gmail.com Website: seesoutherncaliforniahouses.com

This week on the Team Lally Real Estate Radio Show, we interview Duke Kimhan, Principal Broker of Hawaii Pacific Property Management. Duke reveals how he built one of Hawaii’s most successful property management companies, from applying systems learned in the restaurant industry to creating compensation models that motivate unlimited growth. He also shares timely insights on Hawaii’s rental market—why PM thrives in both slow and booming sales cycles—and breaks down new rules on property tax exemptions for homeowners renting part of their residence under income caps. We also have our Experts We Trust. Jodie Tanga of Pacific Rim Mortgage explains why buyers should get “off the fence” now as mortgage rates shift and competition heats up. You also hear from Haaheo Scanlan of PSI Seminars, who shares transformational tools for breaking through obstacles and finding flow. Who is Duke Kimhan? Duke Kimhan is the Owner and Principal Broker of Hawaii Pacific Property Management. Born and raised in Honolulu’s Manoa Valley, Duke first found success as a restaurateur before transitioning into real estate, where he applied his leadership and business skills to build a thriving career. He holds multiple real estate designations and is deeply committed to ongoing education and professional growth. With expertise in investment properties, condos, military relocations, 1031 exchanges, and commercial real estate, Duke has established himself as a trusted advisor for clients across Hawaiʻi. Hawaii Pacific Property Management is one of Oʻahu’s premier property management companies, dedicated to providing exceptional service to homeowners and investors. The company specializes in managing single-family homes, condos, and multi-unit complexes, offering comprehensive services designed to protect property values while maximizing rental income. With a strong focus on transparency, cutting-edge systems, and personalized care, Hawaii Pacific Property Management has become a go-to resource for military families, local homeowners, and international investors seeking peace of mind and expert guidance in Hawaiʻi’s dynamic rental market. To reach Duke Kimhan, you may contact him in the following ways: Phone: (808) 445-9223 Email: info@hipacficpm.com Website: HiPacificPM.com

This week on the Team Lally Real Estate Radio Show, we interview Olivia Lin, Director of Agent Training and Buyer Specialist with Team Lally. Olivia reveals how she helps agents thrive by building consistent daily habits and mastering effective client communication. She also shares what she values most in new recruits—not skills, but the drive and passion to succeed. As one of Team Lally’s top buyer agents, Olivia offers her best advice to homebuyers and walks through a remarkable success story: helping a client get under contract with $55,000 in credits. We also have our Experts We Trust. Danny Langerman of DHA Financial brings the latest on interest rates and refinancing strategies for today’s market while Bradley Maruyama of Allstate Insurance explains why many carriers won’t write historical homes, plus smart insurance tips for buyers and sellers navigating these properties. Who is Olivia Lin? Olivia is a dedicated real estate professional who combines market expertise with a passion for helping others succeed. As the Director of Agent Training and a Buyer Specialist for Team Lally, she has guided countless clients to their dream homes while also mentoring agents to reach new heights in their careers. She is known for her commitment to excellence, strong negotiation skills, and ability to connect with clients on a personal level. Whether she’s training agents or representing buyers, she consistently delivers results with integrity and care.  To reach Olivia Lin, you may contact her in the following ways: Phone: 408-239-9868 Email: Olivia@TeamLally.com Website: TeamLally.com

This week on the Team Lally Real Estate Radio Show, we interview Karen Ewald, Executive Director of the Hawaiʻi State Foundation on Culture and the Arts. Karen highlights the vital role of public funding in sustaining arts and culture, while also sharing details about exciting community events such as the First and Third Friday art walks. She discusses additional programs that community members can get involved in and outlines her future goals for the SFCA, including a new strategic plan shaped by community feedback, fostering more in-person gatherings across the islands to strengthen arts advocacy, expanding initiatives that connect the arts with mental health and underserved communities, and celebrating Hawai‘i’s Pacific connections through cultural festivals. We also have our Expert We Trust. Kyle Shimoda of INPAC Wealth breaks down the benefits of Delaware Statutory Trusts (DSTs) for real estate investors. Who is Karen Ewald? Karen Ewald is the Executive Director of the Hawaiʻi State Foundation on Culture and the Arts (SFCA). Originally from California, she relocated to Hawaiʻi in 2013 and has since built an impressive career spanning over a decade with the SFCA—as an arts administrator, museum director, and now leading the entire organization. Prior to her time in Hawaiʻi, Karen worked at the Natural History Museum of Los Angeles County, overseeing programming, budgeting, and educational outreach. When she’s not busy championing the arts, you might catch her carving waves while surfing or experimenting in the kitchen with new recipes. The Hawaiʻi State Foundation on Culture and the Arts has been the state government’s arts agency since 1967, with a mission to promote, perpetuate, preserve, and encourage culture and the arts, history, and the humanities as central to the quality of life of the people of Hawaiʻi. The Foundation administers programs that bring art into public spaces, support local artists, and connect communities with cultural experiences. It also oversees statewide initiatives such as the Art in Public Places Program and the Artists in the Schools Program, ensuring that creativity and cultural heritage remain accessible to people of all ages and backgrounds across the islands. To reach Karen Ewald, you may contact her in the following ways: Phone: 808-586-0300 Email: hawaiisfca@hawaii.gov Website: sfca.hawaii.gov/

This week on the Team Lally Real Estate Radio Show, we interview Amphay Champathong of Estate Planning Group. Amphay shares expert insights on the importance of having a proper estate plan, why families sometimes fall short even after creating one, and how thoughtful planning can help preserve both financial and sentimental legacies for future generations. He also discusses how often plans should be reviewed and the potential consequences of going without one. We also have our Experts We Trust. Duke Kimhan of Hawaii Pacific Property Management explains why homeowners should work with Bradley Maruyama of Allstate Insurance, especially when it comes to securing loss of rent coverage. Bradley highlights the importance of having separate policies for flood, tsunami, and earthquake protection. Danny Langerman of DHA Financial provides an update on interest rates, tips for today’s buyers, and how buydown programs can make homeownership more affordable. Who is Amphay Champathong? Amphay Champathong is a Kalihi native and proud graduate of Kalani High School. He holds a Bachelor’s degree in Sociology, a Master’s in Social Work, and a Juris Doctorate from the William S. Richardson School of Law. As a member of the Hawaii State Bar Association, Amphay dedicates his legal practice to helping families navigate the complexities of estate planning. With a thoughtful and personalized approach, he assists clients with wills, trusts, probate, guardianship, and special needs planning, guiding them through crucial decisions to protect their loved ones and secure their future. Estate Planning Group is committed to helping Hawaii families preserve their legacy with care and clarity. Their team provides comprehensive services including trust creation, will drafting, probate administration, and strategies for special needs and guardianship planning. By blending legal expertise with a client-focused philosophy, Estate Planning Group ensures that each plan is tailored to the unique needs of the individual or family, delivering peace of mind and a clear path for the future. To reach Amphay Champathong, you may contact him in the following ways: Phone: 808-218-9301 Email: amphay@epghawaii.com Website: https://estateplanningwithaloha.com/ | https://www.epghawaii.com/

This week on the Team Lally Real Estate Radio Show, we interview Janyce Myrland, President & Designer of Dream House Drafting, Inc. She reveals how a listing photo led to a Notice of Violation, what sellers need to know about unpermitted work, and why full disclosure and permit checks are more critical than ever. We also have our Experts We Trust. Duke Kimhan of Hawaii Pacific Property Management breaks down the two must-haves in your rental—parking and AC—and why units without them are harder to rent. Bradley Maruyama of Allstate Insurance explains why some carriers are backing out of single-wall homes and why Allstate still provides coverage. He also shares why renters insurance should never be skipped. Amphay Champathong of Estate Planning Group gives personal insight on dealing with loss and why planning ahead is key. He busts the #1 myth that keeps people from getting started. Who is Janyce Myrland? Janyce Myrland serves as the President and Lead Designer of Dream House Drafting, Inc., and has been offering design and drafting services to homeowners across Oʻahu for more than twenty years. Originally from the East Coast, she relocated and has made Oʻahu her home. A graduate of the New York City College of Technology, Janyce holds a degree in Design and Drafting Technology, and she’s earned certifications in both Aging‑in‑Place design and as a Green Professional. She is celebrated for her knack in translating client aspirations into polished construction documents, ensuring each home reflects the people who live in it. Dream House Drafting, Inc. is a residential design and drafting firm based in Kapolei, HI, offering a full spectrum of services including remodels, kitchen and bath redesigns, decks, ADUs, and new home construction. Founded in December 2006 and led by Janyce Myrland, the firm is dedicated to designing homes that feel like “castles,” uniquely tailored to each client's lifestyle and vision. Their comprehensive services include on-site visits, 3D renderings, and permit-ready construction drawings—often incorporating universal design, aging-in-place considerations, and green building principles to meet a diverse range of homeowner needs. To reach Janyce Myrland, you may contact her in the following ways: Phone: 808-206-7107 Email: designer@dreamhousedrafting.com Website: dreamhousedrafting.com