Property Challenge Podcast

Everybody in real estate is talking about wholesaling…But nobody is talking about the scams.In this episode, I expose the dangerous side of unethical wholesaling and how vulnerable homeowners are being manipulated into signing away their properties for pennies—or in some cases, for just $1.This conversation was inspired by a real story involving an elderly disabled homeowner who unknowingly signed his home away after being told someone was “helping” him avoid losing the property. In this episode, you’ll learn:• How wholesaling actually works• The difference between ethical and predatory wholesalers• Red flags homeowners should NEVER ignore• How scammers target elderly and distressed owners• Why you should never rush into signing paperwork• The importance of attorneys, realtors, and asking questions• How to protect your family from real estate scamsReal talk:There are ethical investors… and there are predators.And if you don’t know the difference, you can lose everything.Join My Community:If you’re serious about learning how to invest in real estate the right way, join my Protege Community where we go deeper into conversations like this:Go Here: https://investorcircles.comListen Weekly:New episodes of The Property Challenge Podcast drop every week—teaching you how to overcome real estate challenges and build real wealth.LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode, I break down the 10 Second Rule, a simple but powerful habit that can protect you from dangerous situations when showing properties, meeting buyers, or walking vacant homes.Everybody is focused on deals, cash flow, and closing…But what if I told you the most important skill in real estate isn’t making money it’s staying alive.This isn’t about fear… it’s about awareness.Because one bad decision—or one missed moment—can change everything.In this episode, you’ll learn:• What the 10 Second Rule is and how to apply it immediately• How to scan a property before entering (and what to look for)• Real-life situations that could’ve ended differently without awareness• Why excitement over deals can distract you from danger• Safety habits every investor, agent, and buyer should have• How to protect yourself when meeting strangers or entering vacant propertiesThere is no deal worth your life.A property can be replaced.You cannot.Join My Community:If you’re serious about learning how to invest in real estate the right way, join my Protege Community where we go deeper into conversations like this:Go Here: https://investorcircles.comListen Weekly:New episodes of The Property Challenge Podcast drop every week—teaching you how to overcome real estate challenges and build real wealth.LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode, I break down the real, everyday mistakes that quietly destroy property value from deferred maintenance and bad contractors to poor location choices and costly renovation errors.If you’ve ever said “I’ll fix it later”… this episode is for you. Everybody talks about how to make money in real estate… But almost nobody talks about how fast you can lose it.And the truth is—most investors don’t lose equity because of the market…They lose it because of decisions they didn’t think mattered.In this episode, you’ll learn:• The #1 silent equity killer investors ignore• How small maintenance issues turn into thousands in losses• Why location can limit your buyer pool (and your profit)• The real cost of bad contractors and poor workmanship• How over-customizing and bad layouts hurt resale value• What buyers notice immediately when walking your propertyEquity doesn’t just grow—it can be slowly drained by the wrong habits. The question is… are you building value or quietly losing it?Join My Community:If you’re serious about learning how to invest in real estate the right way, join my Protege Community where we go deeper into conversations like this:Go Here: https://investorcircles.comListen Weekly:New episodes of The Property Challenge Podcast drop every week—teaching you how to overcome real estate challenges and build real wealth.LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Are you buying real estate… or is real estate buying YOU?In this episode of The Property Challenge Podcast, I’m breaking down the 3-3-3 Rule in real estate—a simple but powerful strategy that can protect you from becoming house poor and making emotional financial decisions.Too many people are out here getting approved for homes they can’t sustain… trying to keep up with appearances… and slowly drowning financially.Not on my watch.This episode is your wake-up call AND your blueprint.What You’ll Learn in This Episode:What it really means to be house poor (and how to avoid it)Why getting approved for a loan does NOT mean you can afford itThe 3-3-3 Rule explained step-by-step:3 months of emergency savings3 months of mortgage reservesEvaluating 3 properties before buyingHow to make smart, strategic real estate decisionsWhy emotional buying can cost you EVERYTHINGJoin My Community:If you’re serious about learning how to invest in real estate the right way, join my Protege Community where we go deeper into conversations like this:Go Here: https://investorcircles.comListen Weekly:New episodes of The Property Challenge Podcast drop every week—teaching you how to overcome real estate challenges and build real wealth.LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Foreclosures are increasing—and for investors, that means opportunity.In this episode of The Property Challenge Podcast, I breaks down how to identify properties heading toward foreclosure and how to position yourself to capitalize before they hit the market.Inside this episode:The key signs a property is in distressHow to spot foreclosure opportunities earlyWhat to look for in neighborhoods and propertiesHow beginners can find deals without using their own moneyWhere to find foreclosure data and leadsThis episode is a blueprint for finding deals in today’s market.Key takeaway: The best opportunities are hiding in plain sight—you just have to know what to look for.Watch now and start training your eye as an investor.Subscribe for weekly real estate conversations where we talk about the wins, the lessons, and the real challenges behind building generational wealth.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Is renting really better than buying… or have we been conditioned to think that way?In this episode of The Property Challenge Podcast, I break down the truth behind the renting vs. owning debate and why ownership is one of the most powerful wealth-building tools available.This episode dives into:The real definition of assets vs liabilitiesWhy your primary residence can build wealthHow renting keeps you in the same financial positionThe truth about appreciation, equity, and long-term valueThe mindset that keeps people stuck as tenantsThis isn’t just about real estate…It’s about control, ownership, and building something that lasts.Key takeaway: Rent is a forever bill. Ownership is a temporary bill that leads to long-term wealth.Watch now and start thinking like an owner.Subscribe for weekly real estate conversations where we talk about the wins, the lessons, and the real challenges behind building generational wealth.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Are realtors worth the money… or are they overpaid?In this episode of The Property Challenge Podcast, I break down the REAL truth about real estate agents vs. REALTORS and why choosing the wrong one can cost you deals, money, and opportunities.After a heated debate on the Social Proof Podcast, this episode dives deep into:The difference between a real estate agent and a REALTORWhat investor-friendly agents actually doSigns you have a BAD agent (and need to fire them)How top-performing agents help investors win dealsWhy some agents earn $40K commissions… and others don’t deserve itIf you’re an investor trying to scale, this episode is a MUST.Key takeaway: A good agent protects your money. A bad one protects their commission.Tap in, take notes, and level up your team.#RealEstateInvesting #PropertyChallenge #RealEstateTips #Investing101 #EntrepreneurshipSubscribe for weekly real estate conversations where we talk about the wins, the lessons, and the real challenges behind building generational wealth.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode of The Property Challenge Podcast, I had to address something that honestly made me mad… people getting online saying real estate is a scam.And I’m not gonna sit back and let that narrative go unchecked.I’ve been in real estate for years. I’ve taken losses, I’ve learned hard lessons, and I’ve built real wealth. So when I hear people say the entire industry is a scam, I already know what the real issue is… it’s not real estate, it’s how they invested.So in this episode, I’m breaking it all the way down.We’re talking about why people think real estate doesn’t work, what really went wrong in those situations, and how to make sure you don’t fall into the same trap.In this episode, I cover:- Why real estate is not a get rich quick game- The difference between a bad deal and a bad industry- Why people blame real estate instead of taking accountability- The common mistakes investors make when they buy wrong- The dangers of buying based on hype instead of strategy- What you actually need to know before buying your first (or next) property- Why preparation—not emotion—is your greatest protectionLet me be very clear about this: Real estate is not a scam. You just bought wrong.A lot of people were sold the dream… but never taught the strategy. They fell in love with the promise, but weren’t prepared for the process.And when things didn’t go how they expected, instead of fixing their approach, they blamed the entire industry.But real estate is just a vehicle.If you bought wrong, financed wrong, or managed wrong… that’s not the vehicle’s fault.That’s the driver.If this episode helped you shift your perspective, I want you to share it with two to three people who need to hear the truth about real estate.Make sure you like, comment, and subscribe so you don’t miss any new episodes.Subscribe for weekly real estate conversations where we talk about the wins, the mistakes, and the real challenges behind building wealth through property.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE: https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#ThePropertyChallengePodcast #TerricaLynnSmith #RealEstateInvesting #InvestorMindset #PropertyChallenge #RealEstateEducation #WealthBuilding #CashFlow #RealEstateTruth

In this episode of The Property Challenge Podcast, I had to address something that honestly made me mad… people getting online saying real estate is a scam.And I’m not gonna sit back and let that narrative go unchecked.I’ve been in real estate for years. I’ve taken losses, I’ve learned hard lessons, and I’ve built real wealth. So when I hear people say the entire industry is a scam, I already know what the real issue is… it’s not real estate, it’s how they invested.So in this episode, I’m breaking it all the way down.We’re talking about why people think real estate doesn’t work, what really went wrong in those situations, and how to make sure you don’t fall into the same trap.In this episode, I cover:- Why real estate is not a get rich quick game- The difference between a bad deal and a bad industry- Why people blame real estate instead of taking accountability- The common mistakes investors make when they buy wrong- The dangers of buying based on hype instead of strategy- What you actually need to know before buying your first (or next) property- Why preparation—not emotion—is your greatest protectionLet me be very clear about this: Real estate is not a scam. You just bought wrong.A lot of people were sold the dream… but never taught the strategy. They fell in love with the promise, but weren’t prepared for the process.And when things didn’t go how they expected, instead of fixing their approach, they blamed the entire industry.But real estate is just a vehicle.If you bought wrong, financed wrong, or managed wrong… that’s not the vehicle’s fault.That’s the driver.If this episode helped you shift your perspective, I want you to share it with two to three people who need to hear the truth about real estate.Make sure you like, comment, and subscribe so you don’t miss any new episodes.Subscribe for weekly real estate conversations where we talk about the wins, the mistakes, and the real challenges behind building wealth through property.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE: https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#ThePropertyChallengePodcast #TerricaLynnSmith #RealEstateInvesting #InvestorMindset #PropertyChallenge #RealEstateEducation #WealthBuilding #CashFlow #RealEstateTruth

If you are brand new to real estate and feeling intimidated, this episode is for you.In Episode 52 of The Property Challenge Podcast, I go all the way back to the basics. I’m talking to the person who is about to look at their very first deal and doesn’t even know where to start.I remember being 21 years ago, broke, on Section 8, overwhelmed, and intimidated by everyone around me who looked successful. I didn’t know what a mortgage was. I didn’t understand liens, encroachments, or even what real estate truly meant.So in this episode, I break it down step-by-step the way I wish someone had broken it down for me.Inside this episode, I cover:Why your first deal will be your hardest dealWhy comparison will kill your momentumThe importance of choosing ONE strategy (wholesaling, fix and flip, or rentals)A simple breakdown of how wholesaling worksHow to use the 70% Rule to analyze dealsWhere to actually find deals (realtors, PropStream, driving for dollars, networking)One of the most important things I say in this episode:“Your first deal is you versus you.”The biggest battle isn’t the market. It’s not the numbers. It’s your mindset.You don’t need a real estate license to get started.You don’t need to know everything.You don’t need to be perfect.You need a strategy.You need a team.If you’re serious about building wealth through real estate, this episode gives you a beginner’s blueprint you can actually follow.Drop a comment and tell me:What strategy are you choosing first — wholesaling, fix and flip, or rentals?Subscribe for weekly real estate conversations where we talk about the wins, the lessons, and the real challenges behind building generational wealth.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

If you’ve been watching HGTV thinking you’re about to flip a house and make six figures in 30 days… we need to talk.In this episode of The Property Challenge Podcast, I break down the real math behind fix and flips — specifically the 70% Rule — and why understanding this formula can save you from overpaying and taking a financial haircut.When I first started in real estate, nobody handed me formulas. I learned through experience. Now I’m giving you the shortcut so you can make educated decisions instead of emotional ones.In this episode, I cover:What ARV (After Repair Value) really means and how to calculate it properlyThe 70% Rule formula step-by-stepHow to calculate your Maximum Allowable Offer (MAO)Why your profit is made when you buy — not when you sellThe biggest mistakes beginner investors make on flipsWhy you should never waive due diligenceReal costs that eat into your flip profits (realtor fees, closing costs, holding costs, contractor surprises)How to practice analyzing deals so you’re ready when opportunity comesThe formula is simple:ARV × 70% − Repairs = Maximum Allowable Offer.But discipline is what makes it powerful.Fix and flips are not what TV makes them look like. There are risks, delays, negotiations, and unexpected costs. But when you understand the numbers and respect the process, you protect your profit margin.If you’re serious about getting started in real estate investing, this episode will give you a practical framework you can use immediately.Drop a comment and let me know:Are you analyzing deals yet? What market are you investing in?Subscribe for weekly real estate conversations where we talk about the wins, the mistakes, and the real challenges behind building wealth through property.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comLISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Episode 50.I can’t even believe I’m saying that.In this milestone episode of The Property Challenge Podcast, I reflect on what 50 weeks of showing up has taught me about business, obedience, comparison, and consistency.When I started, I didn’t have everything figured out. I didn’t have a big production team. I didn’t even fully understand where this podcast would go.But I kept showing up.In this episode, I talk about:Why consistency beats perfectionHow obedience matters even when you don’t see the full pictureThe trap of comparison in entrepreneurshipWhy small audiences still matterHow reps build confidence over timeIf you’re building something right now — a business, a brand, a real estate portfolio — I want this episode to encourage you.Growth compounds.Reps matter.And you don’t need perfect to get started.Thank you for rocking with me for 50 episodes. We’re just getting started.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comSubscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode of The Property Challenge Podcast, I’m breaking down the five biggest mistakes I see new real estate investors make — and I’ve made some of these myself.If you’re just getting started, or you’ve been thinking about investing for a while, this episode is going to challenge your mindset.I talk about:Why waiting on the “perfect” deal is delaying your progressThe importance of knowing your market (ARV, rent comps, location)Why fear of rejection stops people from making offersHow trying to do everything alone slows your growthAnd why quitting too soon costs more than any bad dealI truly believe confidence comes after action — not before it. If you’ve been sitting on the sidelines, this is your sign to get in the game.Make the offer.Learn your market.Build your team.Stay consistent.Subscribe and join me every week as I share real estate lessons from active deals, wins, mistakes, and everything in between.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comSubscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

You can finish a rehab, have a buyer ready, and still not be able to close.In Episode 48, I break down one of the most overlooked but dangerous parts of real estate investing: lien waivers.This is not a sexy topic—but it’s a necessary one.In this episode, you’ll learn:What a mechanic’s lien is and how it stops closingsWhy paying your contractor does NOT guarantee your property is protectedThe four lien waivers every investor must understandHow subcontractors can lien your property without ever speaking to youHow to protect your title, timeline, and profit before closing dayThis episode is about risk management—not hype.Quote from the episode:“You don’t lose deals on the rehab. You lose them on the paperwork you ignored.”If you want clean exits and no closing surprises, this episode is required listening.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! Go Here: https://investorcircles.comSubscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Most investors don’t lose money because of bad deals.They lose money because they pay contractors the wrong way.In Episode 47, I break down exactly how I structure contractor payments so I don’t get played, pressured, or scammed.This episode is strictly educational and covers:Why signing a contract is 0% complete (and deserves $0)How draw schedules protect your budget and your leverageWhat “verified progress” actually looks like on a rehabWhy paying 30–50% upfront puts YOU at risk, not the contractorHow to replace a contractor mid-project without blowing the dealIf you’re rehabbing properties—or planning to—this episode will save you money, stress, and hard lessons.Quote from the episode:“If I pay you before the work is done, I’m funding your excuses.”Subscribe and share this with an investor who needs better systems, not more motivation.Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comSubscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

If you’re a leader, entrepreneur, investor, or vision carrier and you’ve been feeling exhausted… this might be why:You’re dragging your team.In Episode 46 of The Property Challenge Podcast, Terrica Lynn Smith breaks down a hard truth:You cannot build a successful business while carrying people who keep choosing laziness, fear, inconsistency, and excuses.This episode is for the CEO who’s doing:All the thinkingAll the following upAll the sacrificingAnd still paying people to “help”That’s not a team… that’s dead weight.In this episode, we cover:The difference between a Family CEO vs. a Corporate CEOWhy you can’t beg people to show up and call it leadershipThe “Olympics” standard: coaches don’t drag you to greatness—you make the cutHow to identify value vs. a “number” (and why that matters when you’re paying salaries)The cost of “benefit of the doubt” and why it’s expensiveHow to raise your standards and let the right people find youThe truth about love: you can love people and still stop carrying themAnd the line you may need all year: If they don’t grow, they gotta go.5 DAY PROPERTY CHALLENGE: https://thepropertychallenge.com/tickets?utm_source=YouTube+Channel&utm_medium=Description&utm_campaign=The+Property+ChallengeJoin my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.comSubscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In Episode 45 of The Property Challenge Podcast, I break down the REAL lessons hidden inside every real estate deal the lessons most investors skip because they’re too focused on surface level headlines like interest rates and national news.This episode is designed to make you dangerous in your neighborhood  so educated that you can out negotiate buyers, and even outsmart lazy agents who don’t take this craft seriously.“Knowledge is the new money — and you better come get you some.”In this episode, you’ll learn:What inventory really means (seller negotiability, not listing count)Why properties sit on the market (overpricing, stubborn sellers, buyer options)How to analyze your market using New Listings, Pendings (Absorption), and Price ReductionsWhy price reductions around you can become comps against youWhat the DOM ladder is (Days on Market) and how to use it for leverageHow condition and repairs strengthen your negotiation positionWhy terms and conditions close deals (not just price)How to look at real estate in 360 degrees, not 180Why nobody should know more about your investment than YOUI share how I delayed building new construction on purpose, waited for foreclosures to hit the street, bought them, flipped them, and then built — protecting comps and increasing profit across multiple deals.That’s real investing.That’s strategy.That’s how you win.If this episode helps you, like, subscribe, and share it with 3 investors who need to hear this before their next deal.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

If you’ve been shrinking to keep the peace… this episode is for you.In Episode 44 of The Property Challenge Podcast, I break down what it really means to be yourself anyway unapologetically, out loud, and without asking permission. Because the truth is: everybody won’t be comfortable with you… especially when you stop needing their approval.This isn’t just motivation—this is a mindset shift for investors, leaders, entrepreneurs, and anybody who’s tired of editing themselves to fit in rooms God never assigned them to.Quote from the episode:“Your authenticity will offend people who benefit from your insecurity.”In this episode, you’ll learn:Why confidence gets mistaken for “cocky” (and what to do about it)How people pleasing steals your voice, clarity, and authorityWhat it looks like to stop over-explaining and start standing firmWhy you don’t need permission to move on what God showed youHow to protect your circle (the 24, the 12, and the 3)Why reputation is loud—but character is what God cares aboutWhat you gain when you finally stop shrinking: peace, alignment, momentum, and the right peopleIf you’ve been worried about being “too much,” let me help you get free:You’re not too much… you’re just in the wrong room.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc👇🏽 Drop a comment: What’s one area you’ve been shrinking in—and what are you choosing to do differently after this episode?

In this episode of The Property Challenge Podcast, I break down why waiting on rates is not a strategy, it’s a delay tactic. Interest rates will always fluctuate, but real investors don’t build portfolios based on things they can’t control.If a deal only works at one interest rate, it’s not a deal  it’s a bet.This is not theory.This is investor education.In this episode, you’ll learn:Why waiting for rates to drop keeps investors stuck and inexperiencedThe difference between betting on real estate and investing with intentionHow purchase price, loan terms, points, credits, and expenses affect cash flowWhy the money is made during the buy — not the sellHow to structure deals that work even if the property is vacantWhy relying on appreciation is one of the fastest ways to lose moneyHow to analyze expenses correctly (insurance, property management, utilities, more)Stop listening to national headlines.Start paying attention to your local market.Stop waiting. Start building.If this episode helps you, like, subscribe, and share it with 3 investors who need to hear this before their next deal.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

You Don’t Lose Money on Bad Deals—You Lose It on Bad Execution Most investors don’t lose money because the deal was bad.They lose money because the execution was bad.And the most overlooked role in real estate execution?The project manager.In this episode, I break down:What a real project manager actually does5 red flags your project manager is costing you moneyWhy timelines, budgets, and accountability matterWhy paying 50% upfront is one of the biggest mistakes investors makeIf your rehab is late, over budget, or full of excuses—this episode will hit home.Bad project managers don’t just delay projects—they drain profits.If this episode helps you, like, subscribe, and share it with 3 investors who need to hear this before their next deal.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

2025 Tried to Take Me Out… But Getting Back Up Is Non-Negotiable 2025 didn’t come quietly—it came swinging.And if I’m being honest, it tried to take me out.This episode isn’t about grinding harder, chasing more doors, or getting a bigger bag. It’s about how to stay focused without losing yourself when life hits you emotionally, mentally, spiritually, and financially.If you’ve been tired, overwhelmed, or questioning how much more you can carry—this episode is for you.In this episode, I talk about:Why being tired doesn’t mean you’re losingHow to separate exhaustion from failureWhy discipline matters more than motivationHow to protect your focus, your mind, and your assignmentWhy getting back up is a non-negotiableYou don’t need a new life. You just need the strength to get back up.If this episode blesses you, do me a favor—like, subscribe, and share this with 3 people who need strength to keep going. “Let us not become weary in doing good…” – Galatians 6:9✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode of the Property Challenge Podcast, I break down one of the most powerful and misunderstood real estate strategies: tax liens and tax deeds.If you think investors are waiting on interest rates to drop—you’re already behind.I Share a real story about how I almost lost one of my own properties due to unpaid taxes, I explain the difference between tax liens vs. tax deeds, and walks through how investors profit during redemption periods state by state.This episode covers:Tax liens vs. tax deeds explained simplyWhy property taxes are superior liensRedemption periods in Louisiana, Texas & GeorgiaHow investors get paid whether a property redeems or notThe importance of education, legacy, and structure in wealth buildingThis is real-world investing education from someone who’s been in the game for over 20 years.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

In this episode, I’m teaching you exactly how to get started with mobile home investing — even if you don’t have much capital. I break down how to find mobile homes for $0–$10,000, how to avoid overpaying, what repairs matter, where to find deals, and how my 28-lot park now produces over $100K a year. If you want a low-risk, high-return entry into real estate, this episode is your blueprint.WHAT WE COVER Why mobile homes are the fastest ROI in real estateHow depreciation affects your buying strategyThe biggest repair red flags: flooring, leaks, electricalHow to flip or owner-finance mobile homes for 2–3x returnsHit play, take notes, and then share this with 3 investors who need the truth behind the highlight reel.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Most investors run from Section 8.In this episode, I’m going to show you why I run toward it.In Episode 38 of The Property Challenge Podcast, I break down how to be a Section 8 investor, why I love HAP (Housing Assistance Payments), and how one of my 60-unit HAP deals pays $50,000–$60,000 per month—every single month—directly from the federal government.I’m also sharing a deeply personal story from when I was on Section 8 with my husband and babies…and a landlord spoke to me like I was less than human because I had a voucher.That day hurt.But that day also birthed a decision:“I will not stay in this position. One day I’m coming back as the OWNER—and I’m going to treat people on assistance with dignity.”Now I own Section 8 and HAP properties, and I’m pulling back the curtain so you can see:The numbersThe mindsetAnd the truth behind Section 8 investingHit play, take notes, and then share this with 3 investors who need the truth behind the highlight reel.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pcJoin my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳https://investorcircles.comhttps://www.youtube.com/@PropertyChallengePodcasthttps://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

You can get the bag and still lose everything if the curse is still on you.In this episode of The Property Challenge Podcast, I’m not breaking down a real estate deal…I’m breaking down a generational curse.I’m sharing my full, transparent testimony: from being raped at 5 years old, growing up in foster care, becoming a teenage mom, homeless under the Claiborne Bridge in New Orleans, suicidal, angry, and broken…to becoming a Victor, a wife, a mother, a kingdom-made millionaire, and a woman who decided, “This curse ends with me.”This one is personal. It’s raw. It’s for the ones who are tired of cycles and ready to rewrite their story with God.WHAT WE TALK ABOUT IN THIS EPISODE:• What a generational curse really is (hint: it’s a generational pattern)• How to identify the pattern in your bloodline – addiction, abuse, poverty, sickness, chaos, broken relationships• Why you must acknowledge what happened without living in blame• The moment under the bridge when I chose to be a Victor with no visible victoriesTHIS EPISODE IS FOR YOU IF:• You grew up in trauma, chaos, or dysfunction and don’t want that for your kids• You feel stuck in cycles—financial, emotional, relational, spiritual• You love God but wrestle with anger, shame, or self-sabotage• You know there’s more in you, but something keeps pulling you back• You’re ready to say, “This pattern stops with me.”CALL TO ACTION:Comment “BREAK” if you’re choosing to be a Victor, not a victim.Share this episode with 3 people who need to know they are powerful enough—through God—to change their story.Subscribe so you don’t miss future episodes where we talk faith, real estate, and building generational wealth and healing. It’s free to subscribe.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

When people hear “181 doors,” they think rich overnight.What they don’t see is the stabilization season, the Craigslist tenants, the bad contractors, the reserves, and the nights you want to sell it all and walk away.In this episode of The Property Challenge Podcast, I sit down with my Inner Circle student (and now business partner) Josh Ethridge from Lafayette, Louisiana.Josh went from:W2 job and frustratedNo idea what he really had in his homeFoster care, broken background, and zero guidanceTO:Using a HELOC on his primary home to get startedAcquiring 181 doors in just a few yearsSurviving a heavy stabilization season that would have made most people quitPivoting out of a bad contractor situation and STILL turning the deal into a winWe talk about:Why the previous landlord’s stabilization is NOT your stabilizationHow fake “full” rent rolls and Craigslist tenants can trap new investorsWhy your reserve account is your “oops” accountHow to protect yourself from cutthroat contractors (even when they seem trustworthy)Coming out of foster care, building legacy, and letting God rewrite your family storyIf you’ve ever asked, “What happens after I buy the doors?” or “What if I get burned in a deal?” — this episode is for you.Hit play, take notes, and then share this with 3 investors who need the truth behind the highlight reel.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#FaithAndBusiness #PropertyChallengePodcast #TerricaLynnSmith #RebuildingSeason #LeadershipLessons #RealEstateInvesting#PropertyChallengePodcast #TerricaLynnSmith #RealEstateInvesting #InnerCircleInvestors #WealthBuilding 

Sometimes you can’t fix what’s broken — you’ve got to tear it down and build it right. In this episode of The Property Challenge Podcast, I open up about the tough decision to dismantle and rebuild my property management company from the ground up.I break down what it looks like to lead with values, rebuild culture, and take back control when your business drifts off course.You’ll Learn:Why “fixing it” wasn’t enough — and how to start freshThe 5 core values that changed everything: L.I.G.H.T.What happens when leadership gets real and hands-on✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#FaithAndBusiness #PropertyChallengePodcast #TerricaLynnSmith #RebuildingSeason #LeadershipLessons #RealEstateInvesting

Faith doesn’t expire when time runs short.In this episode of The Property Challenge Podcast, We talk about how the fourth quarter ain’t over yet — God still moves in the 11th hour.You’ll learn how to stop self-sabotaging your progress, shift your language, and believe again — no matter what the facts say.In This Episode:How I pushed past failure to become a broker.The power of your words and mindset.Why you’re not behind — you’re on God’s timeline.If you’re navigating turbulence or leading a team through change, this episode is for you. Don’t forget to like, subscribe, and share this with three people who could benefit from these insights.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#PropertyChallengePodcast #FaithAndBusiness #RealEstateWithPurpose #TerricaLynnSmith #GodsTiming

Hey investors! In this episode of The Property Challenge, we’re talking legacy—are you passing down wealth or fear? I break down how to build a God-first blueprint your family can actually follow: options, knowledge, and order.We get into trusts with milestone releases, teaching your kids the personal financial statement, and why “rainy-day” thinking keeps you small. Plus: real stories from my house about boundaries, car insurance, fast interest rates, and faster lessons. 😅What you’ll learn:The 3 pillars of generational wealth: options, knowledge, God-first orderHow to design a trust that protects (and instructs) your legacyThe exact family action steps to start this weekScriptures to anchor your plan: Proverbs 13:22, Habakkuk 2:2, Philippians 4:13Action steps:Write your Family Wealth Vision Statement (2 sentences).Teach one financial lesson to your child this week.Book a consult to set up your living trust + LLCs.Mentioned/Resources:Personal Financial Statement (PFS) — create your family templateCPA / Estate attorney (ask your CPA for a trusted referral)Protégé community — weekly coaching + monthly accountabilityIf this blessed you, subscribe and share with 3 people you want to build with. Let’s end the cycle—real estate is one of the vehicles, but faith is the fuel. 🙏#realestate #generationalwealth #faith #legacy #estateplanning #trusts #proverbs1322 #habakkuk22 #propertychallenge

Welcome back to the Property Challenge Podcast with me, Terrica Lynn Smith. Today I’m not telling deal stories—I’m talking team construction. If it drains momentum, it doesn’t ride. From cutting gossip and offense to installing real finance systems (hello, controller) and real leadership, this is how you protect your spirit, your deals, and your cash.You’ll learn:How offense blinds vision—and quietly taxes every projectThe fast filter for energy drainers vs. driversWhy unity beats talent (and disrespect is a one-time event)The simple hires and systems that put money back in your pocketListen/Follow:Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16YouTube Channel: https://www.youtube.com/@PropertyChallengePodcastTikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pcLevel up with us:Join the Protégé Community for live calls, templates, and accountability: https://investorcircles.comLike, subscribe, and share with three people who need a stronger team and a cleaner culture. Let’s go.#PropertyChallenge #TerricaLynnSmith #RealEstateInvesting #Leadership #TeamCulture #WealthBuilding

Welcome back to the Property Challenge Podcast with me, Terrica Lynn Smith. If purchase prices are scaring you off, it’s time to simplify the math and make your first move. I break down how to use a basic mortgage calculator, compare mortgage vs. rent, and why a 4-plex house hack can fast-track you into ownership with FHA/USDA/conventional options. We’re choosing faith over fear and running the play.You’ll learn:How to convert a big purchase price into a monthly payment you can plan aroundA starter framework for estimating expenses and cash flowThe 4-plex strategy: live in one unit, rent the other threeWhy action + accountability beat information overloadListen/Follow:Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16YouTube Channel: https://www.youtube.com/@PropertyChallengePodcastTikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pcLevel up with us:Join the Protégé Community for live coaching, underwriting feedback, and accountability: https://investorcircles.comLike, subscribe, and share this with three people who are ready to turn big numbers into a simple plan. Let’s go.#PropertyChallenge #TerricaLynnSmith #RealEstateInvesting #HouseHacking #CashFlow #WealthBuilding

Welcome back to the Property Challenge Podcast with me, Terrica Lynn Smith. 🏁If “negotiation” makes you freeze, this episode will thaw you out fast. I’m giving you the mindset, research moves, and talk tracks that turn strangers into sellers—and protect your deposits while you’re at it.You’ll learn:• “No” = Next Opportunity—the mindset that keeps you dialing• 5-point pre-call checklist (owner, liens/taxes, condition, comps, exit)• Cold vs. warm vs. hot outreach + a simple opener that works•  The pause: ask once, then let silence pull the truth out•  Guardrails on contingencies, deposits, and when to walk awayListen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16Subscribe on YouTube: https://www.youtube.com/@PropertyChallengePodcastFollow on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pcWant scripts, role-plays, and real deal reviews? Join the Protégé Community: https://investorcircles.comLike, subscribe, and send this to three investors who need a stronger negotiation game. Let’s get these contracts signed. #PropertyChallenge #TerricaLynnSmith #Negotiation #RealEstateDeals #WealthBuilding

Welcome back to the Property Challenge Podcast with me, Terrica Lynn Smith. 💥Today we’re tackling TIME POVERTY—why “I don’t have time” really means your priorities and systems need a reset. I’m showing you exactly how I run companies, stay present at home, and keep stacking doors without burning out. Let’s buy back your day.You’ll learn:• The quick “priority reset” that frees 5–10 hours/week• Systems, delegation, partnerships—the three levers that scale you• What to automate now (bills, errands, follow-ups)• A one-hour weekly real estate routine you can actually sustain• Why investing today multiplies freedom tomorrowListen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16Subscribe on YouTube: https://www.youtube.com/@PropertyChallengePodcastFollow on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pcReady to upgrade your time and your portfolio? Join the Protégé Community for live coaching, templates, and accountability: https://investorcircles.comLike, subscribe, and share with three people who need their TIME back and their ASSETS up.

Welcome back for another episode of The Property Challenge Podcast with me, Terrica Lynn Smith! 🎙️This week I’m opening up about leading through team shakeups, rumors, and pressure—and how to steady the ship without losing your culture. From spotting a “sleeper cell” to instituting a zero-gossip standard, I’m sharing the exact stabilization steps we used to protect clients, cash flow, and momentum while rebuilding stronger.Here’s what you’ll take away:How to spot and shut down division with a clear zero-gossip policyA simple crisis triage: protect delivery, cash flow, and critical ops firstThe rebuild playbook: communicate hard truths, reset roles, and hire for culture-addComposure tools—cadence, language, and boundaries—that calm chaos and fuel the comebackListen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16If you’re navigating turbulence or leading a team through change, this episode is for you. Don’t forget to like, subscribe, and share this with three people who could benefit from these insights.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! FOR MORE: https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#PropertyChallengePodcast #RealEstateInvesting #TerricaLynnSmith #RealEstateBullies #WealthBuilding

Welcome back for another episode of the Property Challenge Podcast with me, Terrica Lynn Smith! 🎙️This week I’m opening up about something every investor faces but nobody really talks about —  REAL ESTATE BULLIES. From failing the real estate exam seven times to building a portfolio of over 1,000 properties, I’ve had to push through rejection, bias, and intimidation at every level of my career.I’m also sharing how I’m currently navigating the biggest deal of my life — a $40 million apartment project — while dealing with “sharks” who try to block, intimidate, or discredit me.Here’s what you’ll take away:How to stay calm when someone tries to sabotage your presentationThe mindset shift from small deals to legacy projectsWhy confidence and preparation disarm bulliesHow to protect your deals and your peace when the stakes are highListen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16If you’ve ever felt underestimated or counted out, this episode is for you. Don’t forget to like, subscribe, and share this with three people who could benefit from these insights.✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! Go Here: https://investorcircles.com Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from my real estate journey! FOR MORE HERE: https://www.youtube.com/@PropertyChallengePodcastFollow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc#PropertyChallengePodcast #RealEstateInvesting #TerricaLynnSmith #RealEstateBullies #WealthBuilding

In this episode of the Property Challenge podcast, I, Terrica Lynn Smith, dive deep into a topic that many investors grapple with: debt. I challenge the common belief, especially among my Christian listeners, that being in debt is inherently unbiblical. While I acknowledge the wisdom in being a lender rather than a borrower, I encourage you to reconsider your perspective on debt.I start by referencing Proverbs 22:7, which states that "the borrower is a servant to the lender." I emphasize that when you rent, you are essentially paying someone else's mortgage and not building wealth for yourself. Many people express their desire to invest in real estate but are held back by the fear of debt. I explain the difference between good debt and bad debt, highlighting that good debt can be a powerful tool for wealth creation when managed wisely.Throughout the episode, I share my personal journey in real estate, illustrating how I leveraged good debt to build a multimillion-dollar portfolio. I discuss the importance of being a good steward of your finances and the need to shift your mindset from fear to faith. I encourage listeners to recognize that not all debt is bad and that with the right approach, debt can lead to financial freedom.I also touch on the significance of generational wealth and the impact of real estate investing on our lives and communities. By the end of the episode, I urge you to break free from the fear of debt and embrace the opportunities that come with being a real estate investor. Join our Protege community to connect with like-minded individuals and take actionable steps toward your financial goals.Remember, you are not defined by your debt; you have the power to change your narrative and become a first-generation millionaire. Let's continue this journey together, and I look forward to seeing you next week!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳Go Here: https://investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#PropertyChallenge #RealEstateInvesting #FinancialFreedom #GoodDebt #WealthBuilding #TaricaLynnSmith

In this episode of The Property Challenge Podcast, I, Terrica Lynn Smith, delve into a profound topic that I believe is crucial for every investor: identifying and dealing with the "Cain" in your life. Drawing from my recent experiences at a property showing, I reflect on the spiritual implications of jealousy, rage, and entitlement that can arise when we encounter individuals who embody the spirit of Cain.I share my personal journey of recognizing this spirit, which can hinder our ability to celebrate our successes and dreams. The Cain spirit often manifests as discomfort when sharing good news, leading to feelings of comparison and resentment. I emphasize the importance of discerning who in our lives may be harboring this spirit and the necessity of removing such influences to protect our aspirations and well-being.Throughout the episode, I recount my own struggles with jealousy and its impact on my relationships, particularly within my family. I discuss how the Cain spirit can lead to destructive behaviors and how we must confront it to foster a healthy environment for growth and success.I encourage listeners to engage in self-reflection, asking themselves if they have a Cain in their lives or if they themselves are exhibiting Cain-like tendencies. By recognizing and uprooting these negative influences, we can embrace the favor of Abel and cultivate a more positive, supportive atmosphere in our personal and professional lives.Ultimately, I invite you to join our community, where we can have these challenging conversations about real estate investment and the spiritual battles that accompany it. Together, we can work towards building a team that thrives on positivity and mutual support. Thank you for tuning in, and I look forward to seeing you next week!

In this episode of The Property Challenge Podcast, I, Terrica Lynn Smith, dive deep into the essential steps for inspecting an investment property before purchasing. I understand that many investors often feel overwhelmed by the fear of missing critical issues, which can hold them back from acquiring properties. I share a comprehensive blueprint for conducting property inspections to alleviate this concern, emphasizing hiring experts like home inspectors, electricians, and plumbers.I begin by discussing the significance of starting the inspection from the outside, looking for trip hazards, foundation issues, and signs of damage to the siding and windows. I stress the importance of documenting everything with photos and videos to ensure nothing is overlooked. As we move inside, I highlight the need to check for structural issues, wall conditions, and the functionality of electrical systems and appliances.Throughout the episode, I provide practical tips on what to look for in kitchens and bathrooms, including flooring types, cabinet conditions, and plumbing issues. I also touch on potential hidden costs related to HVAC systems, electrical panels, and hazardous materials like asbestos and lead-based paint.I encourage listeners to take their time during property inspections and not to rush the process, as thoroughness is key to protecting their investments. By the end of the episode, I aim to empower my audience with the knowledge and confidence to conduct effective property inspections, ensuring they make informed decisions in their real estate ventures. Thank you for joining me, and I look forward to seeing you next week for another insightful episode!

Welcome to another inspiring episode of the Property Challenge Podcast with your host, Terrica Lynn Smith! In this episode, Terrica shares her incredible journey of resilience and determination as she recounts how she failed the real estate exam seven times before finally passing.From her humble beginnings in New Orleans to overcoming the challenges of Hurricane Katrina, Terrica’s story is a testament to the power of perseverance and the importance of believing in yourself. She dives deep into her struggles, the lessons learned along the way, and how she transformed her failures into stepping stones for success.Join Terrica as she discusses:The pivotal moments that led her to pursue a career in real estateThe emotional rollercoaster of failing the exam multiple timesThe mindset shifts that helped her overcome obstaclesThe importance of surrounding yourself with the right peopleHow to turn setbacks into comebacksIf you're an aspiring real estate investor or simply looking for motivation to chase your dreams, this episode is for you! Don't forget to like, subscribe, and share this episode with three friends who need a little inspiration in their lives.🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳Go Here: https://investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#exam #terricalynnsmith #propertychallengepodcast #podcast

Welcome to another empowering episode of the Property Challenge podcast with your host, Terrica Lynn Smith! In this episode, we dive deep into the concept of "winning a real estate war," focusing on the internal battles we face as investors.Terrica shares her insights on overcoming self-doubt and the negative voices that can hold us back from achieving our real estate goals. She emphasizes the importance of mindset, strategic planning, and building a strong support team to navigate the complexities of the real estate market.Key topics covered in this episode include:Understanding the battlefield of the mind and how to silence self-doubtThe significance of knowledge in real estate investingBuilding your team of experts to support your journeyThe importance of market research and staying informedStrategies for diversifying your real estate portfolioThe power of ownership as a birthrightWhether you're a seasoned investor or just starting out, this episode is packed with valuable insights and actionable advice to help you conquer your real estate challenges.🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳http://app.investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!Thank you for tuning in, and remember: your debt can be canceled, and you can make good debt decisions! 💪

In this episode of the Property Challenge podcast, I, Terrica Lynn Smith, dive deep into the misconceptions surrounding debt in real estate investing. Many people fear debt, believing it to be inherently bad, but I aim to bust that myth by explaining the difference between good debt and bad debt.I share my personal journey, starting from a place of financial struggle after Hurricane Katrina, where I had no understanding of money management or the concept of leveraging debt. Through my experiences, including the challenges of payday loans and poor financial decisions, I learned the importance of being a good steward of my finances.I emphasize that good debt can be a powerful tool in real estate investing, as it allows for tax depreciation and equity appreciation. By sharing my story of purchasing my first investment property and successfully refinancing it, I illustrate how leveraging good debt can lead to financial freedom and multiple streams of income.Throughout the episode, I encourage listeners to shift their mindset from instant gratification to delayed gratification, highlighting the importance of making informed financial decisions. I also stress the significance of aligning with your partner on financial goals to avoid conflict.Ultimately, I want my audience to understand that good debt, when used wisely, can be a stepping stone to wealth. I invite listeners to join our community, where we share valuable insights and support each other in our real estate journeys. Thank you for tuning in, and I look forward to seeing you next week!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳http://app.investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!

In this episode of the Property Challenge Podcast, we dive deep into the world of real estate, personal growth, and the journey of navigating life as a young adult. Join us as I welcome my special guest, Atteya Danae, who shares her experiences as a 20-year-old realtor, podcaster, and wholesaler.We discuss the importance of ownership, the challenges of anxiety, and the lessons learned from both successes and struggles. Atteya opens up about her journey of self-discovery, the impact of relationships, and the significance of consistency in achieving goals.Throughout our conversation, we touch on the misconceptions of privilege, the importance of hard work, and the value of faith in overcoming life's obstacles. Atteya also shares her insights on the pressures of comparison and the importance of staying true to oneself.Whether you're an aspiring investor, a parent, or someone looking for inspiration, this episode is packed with valuable nuggets of wisdom. Don't forget to subscribe, like, and share this episode with three people who could benefit from our discussion!Key Topics:The journey of a young real estate investorNavigating anxiety and personal growthThe importance of consistency and hard workOvercoming the pressures of comparisonFaith and ownership as a birthrightJoin our community for more conversations like this and take your first step towards financial freedom and personal empowerment!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳ Go Here: https://investorcircles.com ✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#terricalynnsmith #podcast #propertychallengepodcast #godsplan #childrens #businessmindset #blueprint

In this episode of the Property Challenge Podcast, host Terrica Lynn-Smith sits down with her best friend and business partner, Stephanie Bailey, to discuss the dynamics of friendship and teamwork in real estate investing. With over 20 years of friendship, Tara and Stephanie share their experiences navigating the challenges of working together while maintaining their personal bond.They dive into the importance of discernment when building a team, the value of understanding different personality types through the DISC assessment, and how to balance leadership and support roles. Terrica and Stephanie also reflect on their spiritual journeys and how their faith has been crucial to their success.Join them as they explore:The significance of serving others and being willing to change rolesHow to handle difficult conversations and emotions in a business settingThe power of gratitude and celebrating each other's successesTips for building a strong, kingdom-focused teamIf you're looking for insights on thriving in business relationships while staying true to your values, this episode is for you!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳ Go Here: https://investorcircles.com ✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#terricalynnsmith #podcast #propertychallengepodcast #realestateinvestment #friendshipgoals

Welcome to another episode of The Property Challenge Podcast with your host, Terrica Lynn Smith! In this episode, we dive deep into the world of wholesaling in real estate—a hot topic that sparks mixed feelings among investors.Terrica breaks down the ins and outs of wholesaling, explaining why it can be one of the easiest ways to enter the real estate market. She shares her personal experiences, including a jaw-dropping story about her first six-figure wholesale deal, and discusses the importance of ethics in the industry.Learn how to protect yourself when dealing with wholesalers, the significance of building a buyer's list, and the tools you need to succeed, like PropStream. Terrica also emphasizes the importance of character and integrity in real estate investing, urging listeners to be transparent and helpful in their dealings.Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and practical tips to help you navigate the world of wholesaling.🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳ Go Here: https://investorcircles.com ✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#RealEstate #PropertyChallenge #Investing #RealEstateInvesting #Entrepreneurship #terricalynnsmith #wholesaler

In this episode of the Property Challenge Podcast, host Terrica Lynn Smith dives deep into the journey of turning a bad real estate decision into a valuable learning experience. Join Terrica as she shares her story about a challenging 10-unit apartment building project that has spanned over five years and is still ongoing.Discover the lessons learned from navigating permits, dealing with contractors, and the importance of project management. Terrica emphasizes the significance of hiring the right people, understanding the market, and focusing intensely on your goals as a real estate investor.Whether you're a seasoned investor or just starting out, this episode is packed with insights and practical advice to help you overcome challenges in your real estate journey.Don't forget to subscribe and share this episode with three friends interested in investing in real estate!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳ Go Here: https://investorcircles.com ✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔#RealEstate #PropertyChallenge #Investing #RealEstateInvesting #Entrepreneurship #terricalynnsmith

In this episode, I share a real story that every real estate investor needs to hear. A tenant filed a completely false injury claim against one of my properties — and despite having proof, documentation, and even witness statements, the insurance company still decided to settle.This situation exposed how vulnerable investors really are when it comes to lawsuits, liability, and how little protection your insurance may actually give you.I break down:What happened step by stepHow the insurance companies responded (and why it matters)The legal protections that worked — and the ones that didn’tWhat I learned about tenant screening, property management, and documentationPractical steps to protect yourself, your properties, and your businessThis isn’t just a story — it’s a cautionary lesson for anyone who owns rental property. If you’re an investor, this is what you need to know before it happens to you. This is a real property challenge!

In this exciting episode of the Property Challenge Podcast, I had the honor of welcoming my very first guest, Takeyah Powell. Takeyah's journey is nothing short of inspiring, and she shared her powerful story of overcoming adversity and finding success in real estate.We started the episode by discussing the importance of being in the right room and how proximity can lead to incredible opportunities. Takeyah introduced herself, sharing her background as a tax accountant and her experiences growing up in challenging circumstances. Despite facing significant hardships, including the loss of her brother and an abusive relationship, she persevered and pursued her dreams.Takeyah recounted how she discovered my program at Tiffany Montgomery's Million Conference and its transformative impact on her life. After overcoming personal struggles, she leaped to join the five-day Property Challenge, ultimately leading her to win a house. Her story exemplifies the power of investing in oneself and the importance of community support.Throughout our conversation, we explored the significance of education and mentorship in real estate, emphasizing that investing in knowledge can yield substantial returns. Takeyah also shared her experience of becoming a business partner in a 104-unit property, highlighting the strength found in collaboration and group economics.As we wrapped up, Takeyah offered heartfelt advice to listeners, encouraging them to build a relationship with God, remember their dreams, and take bold steps toward their goals, even in the face of fear. Her journey is a testament to resilience, faith, and the incredible possibilities that arise when we step out of our comfort zones.Thank you for joining us on this episode, and I hope Takeyah story inspires you to take action in your own real estate journey! If you enjoyed this episode, please share it with others and consider joining our community. See you next week!

In this episode of The Property Challenge Podcast, I, Terrica Lynn Smith, dive deep into the challenges of real estate investing, particularly focusing on the importance of choosing the right partners. I share my personal experiences, including the lessons learned from a difficult partnership that taught me that not all money is good money.I emphasize the significance of recognizing red flags when entering into partnerships, such as unrealistic expectations about returns and the need for transparency. I discuss the importance of discernment and prayer when selecting investors, as well as the necessity of having proper legal documentation, like a Private Placement Memorandum (PPM), to protect yourself and your investments.Throughout the episode, I highlight the dangers of partnering with individuals who make guarantees about returns and those who may be using someone else's money without proper disclosure. I also share anecdotes about my experiences with various investors, illustrating the importance of understanding the dynamics of partnerships and the potential pitfalls.Ultimately, I encourage listeners to be cautious and informed when it comes to real estate investing, reminding them that a successful partnership is akin to a happy marriage—one that requires trust, respect, and clear communication. If you found this episode valuable, I invite you to share it with others and join my community for more insights and discussions on real estate investing.🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳Go Here: https://investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!#realestatetips #avoidscammers #badbusiness #terricalynnsmith #propertychallengepodcast #realestate #money #businessmindset

In this episode of The Property Challenge Podcast, host Terrica Lynn Smith shares her personal journey through the ups and downs of real estate investing, focusing on a significant lesson learned from a challenging restaurant venture.Terrica opens up about how she lost over $100,000 while trying to create a rooftop restaurant and lounge in Lafayette, Louisiana. She discusses the pitfalls of jumping into a business without the necessary experience, the importance of having the right partners, and the critical need for due diligence in any investment.From navigating the complexities of restaurant management to dealing with unexpected challenges like high rent, food margins, and difficult partners, Terrica's story is a cautionary tale for aspiring investors. She emphasizes the importance of staying in your lane and knowing your strengths, encouraging listeners to focus on what they do best in the world of real estate.Join Terrica as she reflects on her experiences, shares valuable insights, and inspires you to learn from her mistakes. If you're considering a venture outside your expertise, this episode is a must-listen!🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳Go Here: https://investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!#realestatetips #badtenants #badbusiness #terricalynnsmith #propertychallengepodcast

In this episode of the Property Challenge Podcast, host Terrica Lynn Smith shares a gripping story about her experience with a nightmare tenant that nearly derailed her real estate career. From the excitement of renting out a luxury property to the shocking challenges that followed, Terrica reveals the critical lessons learned about tenant screening and the importance of trusting your gut instincts.Join Terrica as she discusses:The red flags she ignored when renting to a high-profile celebrity tenant.The unexpected legal battles that ensued and how they impacted her business.Key strategies for screening tenants effectively to avoid similar situations in the future.Whether you're a seasoned investor or just starting in real estate, this episode is packed with valuable insights that will help you navigate the challenges of property management. Don't let the fear of bad tenants hold you back from investing in real estate! 🔔 Don't forget to subscribe to the Property Challenge Podcast for more insightful discussions on real estate investing and overcoming challenges in the industry! ✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳Go Here: https://investorcircles.com✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!#badtenants #propertychallenge #terricalynnsmith #propertychallengepodcast #entrepreneur #realestatetips