If you have ever said,
“I just need to see how this actually works…”
This is your chance.
About
The Event
Want to Buy a Fixer-Upper but Don’t Have a Big Budget?
Join us for a real talk with top Maui real estate pros as we break down how first-time homebuyers, families, and budget-conscious buyers can use an FHA 203K loan to purchase and renovate a home—all with just one loan and a low down payment.
We’ll walk you through the entire process, from qualifying for the loan to working with lenders, contractors, and realtors to make your vision a reality. Whether you're looking to upgrade a home for your family or simply want to learn a creative way to finance renovations, this event is for YOU!
💡 Come with questions, leave with a plan!
Turn a Fixer-Upper into Your Dream Home!
Buying a home that needs work might seem out of reach—but with an FHA 203K loan, you can finance both the purchase AND the renovations in one go! Whether you're a first-time homebuyer, a family looking for an affordable way to upgrade, or simply curious about creative financing, this event is for you.
What
You’ll Learn
Understanding how an FHA 203K loan works can open doors to homeownership in ways you never thought possible. This session will walk you through the essentials of financing a fixer-upper, ensuring you can confidently navigate the process.
What is an FHA 203K loan & how does it work?
How you can buy AND renovate with just one loan
Who qualifies & how to apply
What types of repairs & renovations qualify
How to work with lenders, contractors, and realtors to make it happen
Who's Taking The Stage
Join top Maui real estate professionals as they break down the process, answer your questions, and show you how to make this strategy work for YOU!
Samantha Kramer
Realtor with Keller Williams Realty Maui
Samantha Kramer is a REALTOR® (S) with Keller Williams Realty Maui, holding the license number RS-83354. Born and raised in Hawaii, Samantha cherishes her Native Hawaiian heritage and strives to respect the culture and land. Beyond her real estate career, she is the CEO and hands-on owner of Maui on the Fly, a baby gear rental company.
Balancing her roles as a wife and mother of three, Samantha is also active in volunteering and serving on community committees. Her dedication to customer service is a top priority
Celeste Mollena
Realtor with Keller Williams Realty Maui
Celeste Mollena is a REALTOR® Broker with Keller Williams Realty Maui, holding the license number RB-23623. Born, raised, and rooted on Maui, Celeste embraces the Aloha spirit, island culture, and the people who make the island special. With over 25 years of experience in sales and solutions management, she has built valuable connections within the Maui community.
Celeste specializes in assisting clients with buying or selling their Maui homes, offering expertise in various areas, including buyer's agent, listing agent, relocation, foreclosure, vacation/short-term rentals, first-time homebuyers, investment properties, luxury homes, new construction, and lot/land.
Kisha Kawakami
Sales Manager | Mortgage Loan Officer
Kisha Kawakami, a Maui native from Kula, HI, brings over 25 years of expertise in the real estate lending sector. With a Bachelor's degree in Clinical Psychology, she combines her deep understanding of people with her extensive knowledge of real estate financing to better serve her clients.
As a valued member of the Blue Seas Team at Mason McDuffie Mortgage, Kisha is dedicated to helping individuals and families navigate the lending process with confidence. Known for her commitment, diligence, and transparency, she takes pride in building long-term relationships and providing tailored solutions to meet her clients’ real estate goals. Whether you’re a first-time homebuyer, investor, or seasoned homeowner, Kisha is ready to guide you every step of the way.
Free & Open To Public
Hilo Meet-Up
From Treasure Hunt to Turnkey
See What Happens After You Lock Up the Deal
This is Joshua and Makana’s project right here in Hilo.
This project began as a wholesale opportunity that came with its fair share of challenges... rooms packed with “treasures,” big decisions to make, and moments that could have felt overwhelming. But by staying disciplined, tracking every expense, and moving forward one intentional step at a time, the transformation began. Cameras installed, locks changed, progress made daily... and now the home is becoming a clean, refreshed space with real potential. The progress is undeniable, and seeing it in person is a powerful reminder of what happens when action replaces hesitation.
Saturday, March 7th, 2026 | 12PM HST
Hilo, Hawai'i
About The Meet-up
This is a live renovation walk through inside Joshua and Makana’s current project. They are part of our HUI ʻohana and have been consistently documenting every phase inside the community. They've shared the photos and given the updates. Now you get to stand inside the property and experience the progress in person.
With demo and drywall pau, fresh paint nearly finished, and new windows installed, the home is coming back to life and as flooring goes down and trim goes up, the transformation is becoming visible in every room. The finishing details are starting to matter more and more.
What was once a house full of debris is now turning into a home with direction.
And now comes the real investor question. Do they flip it for a profit or hold it as a rental?
They are still open minded and flexible about the exit strategy. At this meet up, you’ll hear how they are thinking through that decision in real time. No polished case study or after the fact highlight reel. Just honest strategy, real numbers, and the mindset behind choosing the right path forward.
Who Should Come
If you’re thinking about your first deal
If you learn best by seeing real life projects
If you’re unsure whether to flip or hold
If you want to work with wholesalers
If you’ve been waiting for the “right time”
What You'll Learn
The Deal Breakdown
How they evaluated the property from day one, what made it worth pursuing, and how buying from a wholesaler shaped their numbers and negotiation strategy.
The Real Cost of Clean Out
What it actually took to clear out the “treasures,” including dumpsters, labor, time, and the unexpected lessons that came with seeing the home empty for the first time.
Security Before Strategy
Why installing cameras and changing locks was their first move, and how protecting the asset immediately sets the tone for a disciplined project.
Numbers Over Emotions
What “sticking to your numbers” truly looks like in real life, especially when surprises pop up and decisions need to be made quickly.
Previous
Meet-ups Highlights
At our past meet-ups, we've had a blast connecting with members and creating memorable moments. Here’s a glimpse of the amazing time we’ve had:
Dreaming of a Home You Can Fix Up?
Learn How to Finance It!
Think a fixer-upper is out of reach? Think again! Join us on March 28th from 5 PM - 7 PM at Keller Williams in Kahului
Meet
ZASHA & FUZZY
Zasha Smith
Civil Engineer 👉 $10M+ Real Estate Portfolio
Zasha is a licensed civil engineer turned full-time real estate investor that built a $5 million residential portfolio rented to those on assistance, flipped over 36 projects that were sold to local families, and raised over $9 million from private investors. She has recently started expanding into commercial properties as part owner in 500+ units and building 32 affordable homes on the Big Island with Fuzzy!
Fuzzy Jardine
Pro Surfer 👉 20+ Real Estate Deals a Year
Fuzzy is a former pro waterman turned successful real estate developer, who was able to build over 100+ affordable entry level homes on the Big Island that were sold to mostly local families since 2013 using little to none of his own money through partnerships. He's also built a rental portfolio worth $6 million and has housed families in need through working with non-profit groups like Hope Services and Section 8.
HUI Mastermind
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