Ep 11 Finance Lessons Through Homeownership w/ She's That Broker

In this episode of Para Paraan with Salmon, M.K. and Joric sit down with Maiko, known as “She's That Broker”, a licensed real estate broker on a mission to elevate the Philippine real estate industry. Maiko shares her journey from switching careers in her mid-20s to becoming one of the most trusted voices in property investment. We cover the rent vs. buy debate, financing options (bank loans vs. Pag-IBIG), hidden costs of home ownership, and practical tips for first-time buyers navigating condos, houses, and pre-selling properties. Topics Covered: 00:02:46 Why Maiko became a broker and her mission to professionalize real estate in PH 00:08:17 The journey to becoming a licensed broker – 3-year degree, board exam, and career shift 00:11:25 Rent vs. Buy debate – Why renting isn't "sayang" and strategic property timing 00:18:37 Financing 101 – Bank loans, Pag-IBIG contributions, and options for freelancers 00:25:20 Condo vs. House – Which investment makes sense for your lifestyle? 00:29:43 Hidden costs of home ownership – Association dues, property tax, maintenance surprises 00:32:34 Maiko's property regrets – Lessons from buying pre-selling vs. RFO units 00:36:15 Financial discipline before, during, and after buying property 00:40:41 How to spot serious buyers and build genuine client relationships 00:45:01 Mindset check – You don't need all the money now, but discipline is key Resources & Links: Follow Maiko "She's That Broker": Instagram/TikTok/YouTube/Facebook: @shesthatbroker #ParaParaanWithSalmon #MCMaiko #ShesThatBroker #RealEstatePH #InvestmentTips #PodcastPH #Podcast