Talk story with Other Real Estate Investors
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.
Maui Meet-up
FROM FLIP TO FINISHED.
Walk Through the Result.
A real completed fix & flip in Kahului, Maui. Bought, renovated top to bottom, and now on the market. Come walk through it and see exactly how the numbers work.
Why This Meetup Hits Different
This is what a completed flip looks like.
All the way to the finish line.
Most people see fix & flip deals in two states: the before (rough, ugly, full of potential) or the after (staged, polished, listed). You almost never get to stand inside one and walk through every decision that was made between those two moments.
That's exactly what September 24th is. A fully renovated Kahului home, new floors, new kitchen, new baths, new ohana unit, mountain views, with the owner there to break down how it all came together. Come with questions. Leave with clarity.
"Walking through a real deal teaches you more in an hour than six months of studying ever could. The numbers make sense when you're standing in them."
What's Happening
One Evening.
A Whole Education.
Five things that go deeper when you're standing inside the actual deal.
The Full Walkthrough
Room by room, decision by decision. New LVP flooring, custom cabinetry, quartz counters, marble baths, central A/C, fresh landscaping, you'll see exactly what was done and why.
The Deal Numbers
Purchased for $575K in May 2026. Fully renovated. Now listed at $1,198,000. We'll talk through what happened between those two numbers, rehab costs, timeline, decisions made along the way.
The Ohana Strategy
This property comes with a separate 2 bed/1 bath ohana unit, its own entrance, its own kitchen, its own income potential. We'll break down what that adds to the deal and why it matters in the Hawaii market.
Open Q&A
Ask anything. How was it funded? What went wrong? What would they do differently? There's no better classroom than standing in the middle of the answer.
Community Connections
Every HUI gathering attracts people who are actively building, investors, agents, lenders, aspiring first-timers. The relationships formed here tend to outlast the evening.
Zero Cost, Real Value
Free to attend. Just a community that believes showing up for each other is how real wealth gets built.
The Ohana. A Deal Within the Deal.
This property doesn't just have one residence, it has a fully separate 2 bed / 1 bath ohana unit in the back. Its own entrance, its own kitchen, its own AC. That means rental income potential from day one, or multigenerational living built right in.
In Hawaii real estate, the ohana changes everything. We'll talk through what it adds to the numbers on the night.
🏠 Ohana Size: 2 Bedrooms · 1 Bathroom
🚪Access: Fully separate entrance
❄️ Cooling: Own mini-split AC system
💰 Income Potential: Rent Zestimate ~$3,722/mo total
📍 A Peek at the Project
September 24th is your shot.
Step Inside
The Flip.
This isn't a model home or a finished product. It's a working renovation, decisions, and all. You'll see what the process looks like when no one's cleaned it up for the camera.
Previous
Meet-up 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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