Property Challenge Podcast

DON’T FALL IN LOVE WITH THE PROPERTY

Sat, 04 Apr 2026 03:32:26 +0000

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 protection

Let 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.com

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#ThePropertyChallengePodcast #TerricaLynnSmith #RealEstateInvesting #InvestorMindset #PropertyChallenge #RealEstateEducation #WealthBuilding #CashFlow #RealEstateTruth

YOUR FIRST REAL ESTATE DEAL

Sat, 28 Mar 2026 03:39:08 +0000

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 deal
Why comparison will kill your momentum
The importance of choosing ONE strategy (wholesaling, fix and flip, or rentals)
A simple breakdown of how wholesaling works
How to use the 70% Rule to analyze deals
Where 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.com

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HOW TO BUY A FIX AND FLIP WITH THE 70% RULE

Sat, 21 Mar 2026 03:36:51 +0000

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 properly
The 70% Rule formula step-by-step
How to calculate your Maximum Allowable Offer (MAO)
Why your profit is made when you buy — not when you sell
The biggest mistakes beginner investors make on flips
Why you should never waive due diligence
Real 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 comes

The 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.com

LISTEN ON SPOTIFY: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16

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THE POWER OF CONSISTENCY CELEBRATING 50 EPISODES

Sat, 14 Mar 2026 03:29:02 +0000

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 perfection
How obedience matters even when you don’t see the full picture
The trap of comparison in entrepreneurship
Why small audiences still matter
How reps build confidence over time

If 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.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=8ce654b41b714f16

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HOW TO AVOID THE 5 BIGGEST MISTAKES NEW REAL ESTATE INVESTORS MAKE

Sat, 07 Mar 2026 04:24:20 +0000

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 progress
The importance of knowing your market (ARV, rent comps, location)
Why fear of rejection stops people from making offers
How trying to do everything alone slows your growth
And why quitting too soon costs more than any bad deal

I 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.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=8ce654b41b714f16

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HOW TO AVOID REAL ESTATE LIENS

Sat, 28 Feb 2026 03:58:37 +0000

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 closings
Why paying your contractor does NOT guarantee your property is protected
The four lien waivers every investor must understand
How subcontractors can lien your property without ever speaking to you
How to protect your title, timeline, and profit before closing day

This 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.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=8ce654b41b714f16

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HOW TO AVOID CONTRACTOR FRAUD

Sat, 21 Feb 2026 03:04:18 +0000

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 leverage
What “verified progress” actually looks like on a rehab
Why paying 30–50% upfront puts YOU at risk, not the contractor
How to replace a contractor mid-project without blowing the deal

If 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.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=8ce654b41b714f16

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YOU CAN’T DRAG A TEAM

Sat, 14 Feb 2026 03:16:20 +0000

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 thinking
All the following up
All the sacrificing
And 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 CEO
Why you can’t beg people to show up and call it leadership
The “Olympics” standard: coaches don’t drag you to greatness—you make the cut
How 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 expensive
How to raise your standards and let the right people find you
The truth about love: you can love people and still stop carrying them
And 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+Challenge

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=8ce654b41b714f16

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THE REAL LESSON ABOUT REAL ESTATE NEGOTIATIONS

Sat, 07 Feb 2026 04:06:36 +0000

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 Reductions
Why price reductions around you can become comps against you
What the DOM ladder is (Days on Market) and how to use it for leverage
How condition and repairs strengthen your negotiation position
Why terms and conditions close deals (not just price)
How to look at real estate in 360 degrees, not 180
Why nobody should know more about your investment than YOU

I 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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

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HOW TO BE YOURSELF

Sat, 31 Jan 2026 03:02:37 +0000

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 authority
What it looks like to stop over-explaining and start standing firm
Why you don’t need permission to move on what God showed you
How to protect your circle (the 24, the 12, and the 3)
Why reputation is loud—but character is what God cares about
What you gain when you finally stop shrinking: peace, alignment, momentum, and the right people

If 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=8ce654b41b714f16

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👇🏽 Drop a comment: What’s one area you’ve been shrinking in—and what are you choosing to do differently after this episode?

STOP WAITING FOR RATES TO DROP

Fri, 23 Jan 2026 23:04:58 +0000

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 inexperienced
The difference between betting on real estate and investing with intention
How purchase price, loan terms, points, credits, and expenses affect cash flow
Why the money is made during the buy — not the sell
How to structure deals that work even if the property is vacant
Why relying on appreciation is one of the fastest ways to lose money
How 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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

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HOW TO HIRE THE RIGHT PROJECT MANAGER

Sat, 17 Jan 2026 03:51:16 +0000

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 does
5 red flags your project manager is costing you money
Why timelines, budgets, and accountability matter
Why paying 50% upfront is one of the biggest mistakes investors make

If 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=8ce654b41b714f16

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HOW TO RECOVER FROM A BAD YEAR

Sat, 10 Jan 2026 03:48:20 +0000

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 losing
How to separate exhaustion from failure
Why discipline matters more than motivation
How to protect your focus, your mind, and your assignment
Why getting back up is a non-negotiable

You 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=8ce654b41b714f16

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HOW TO BUY A TAX LIEN PROPERTY

Sat, 03 Jan 2026 02:55:29 +0000

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 simply
Why property taxes are superior liens
Redemption periods in Louisiana, Texas & Georgia
How investors get paid whether a property redeems or not
The importance of education, legacy, and structure in wealth building

This 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=8ce654b41b714f16

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HOW TO BUY A MOBILE HOME FOR UNDER $3,000

Sat, 27 Dec 2025 05:11:27 +0000

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 estate
How depreciation affects your buying strategy
The biggest repair red flags: flooring, leaks, electrical
How to flip or owner-finance mobile homes for 2–3x returns

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=8ce654b41b714f16

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LIES TOLD OF A SECTION 8 TENANT

Sat, 20 Dec 2025 04:28:16 +0000

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 numbers
The mindset
And the truth behind Section 8 investing

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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

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Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now’s your time! ⏳

https://investorcircles.com

https://www.youtube.com/@PropertyChallengePodcast

https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

HOW TO BREAK GENERATIONAL CURSES

Sat, 13 Dec 2025 06:00:07 +0000

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 victories

THIS 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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

Follow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

WHITE MAN CAN JUMP

Sat, 06 Dec 2025 06:00:36 +0000

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 frustrated
No idea what he really had in his home
Foster care, broken background, and zero guidance

TO:

Using a HELOC on his primary home to get started
Acquiring 181 doors in just a few years
Surviving a heavy stabilization season that would have made most people quit
Pivoting out of a bad contractor situation and STILL turning the deal into a win

We talk about:

Why the previous landlord’s stabilization is NOT your stabilization
How fake “full” rent rolls and Craigslist tenants can trap new investors
Why your reserve account is your “oops” account
How to protect yourself from cutthroat contractors (even when they seem trustworthy)
Coming out of foster care, building legacy, and letting God rewrite your family story

If 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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

Follow 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

HOW TO TEAR DOWN A PROPERTY MANAGEMENT COMPANY

Sat, 29 Nov 2025 06:00:01 +0000

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 fresh
The 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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

Follow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

#FaithAndBusiness #PropertyChallengePodcast #TerricaLynnSmith #RebuildingSeason #LeadershipLessons #RealEstateInvesting

HOW TO STOP SELF SABOTAGING

Sat, 22 Nov 2025 06:00:50 +0000

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=8ce654b41b714f16

FOR MORE HERE:https://www.youtube.com/@PropertyChallengePodcast

Follow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

#PropertyChallengePodcast #FaithAndBusiness #RealEstateWithPurpose #TerricaLynnSmith #GodsTiming

BUILDING GENERATIONAL WEALTH WITHOUT FEAR

Sat, 15 Nov 2025 06:00:22 +0000

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 order
How to design a trust that protects (and instructs) your legacy
The exact family action steps to start this week
Scriptures to anchor your plan: Proverbs 13:22, Habakkuk 2:2, Philippians 4:13

Action 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 template
CPA / Estate attorney (ask your CPA for a trusted referral)
Protégé community — weekly coaching + monthly accountability

If 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

WHY NEGATIVE PEOPLE EAT LAST

Sat, 08 Nov 2025 08:05:44 +0000

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 project
The fast filter for energy drainers vs. drivers
Why unity beats talent (and disrespect is a one-time event)
The simple hires and systems that put money back in your pocket

Listen/Follow:

Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16
YouTube Channel: https://www.youtube.com/@PropertyChallengePodcast
TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Level up with us:

Join the Protégé Community for live calls, templates, and accountability: https://investorcircles.com

Like, subscribe, and share with three people who need a stronger team and a cleaner culture. Let’s go.

#PropertyChallenge #TerricaLynnSmith #RealEstateInvesting #Leadership #TeamCulture #WealthBuilding

FEAR OF THE BIG NUMBERS IN REAL ESTATE

Sat, 01 Nov 2025 05:00:12 +0000

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 around
A starter framework for estimating expenses and cash flow
The 4-plex strategy: live in one unit, rent the other three
Why action + accountability beat information overload

Listen/Follow:

Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16
YouTube Channel: https://www.youtube.com/@PropertyChallengePodcast
TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Level up with us:

Join the Protégé Community for live coaching, underwriting feedback, and accountability: https://investorcircles.com

Like, 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

THE ART OF NEGOTIATIONS

Sat, 25 Oct 2025 05:00:35 +0000

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 away

Listen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16

Subscribe on YouTube: https://www.youtube.com/@PropertyChallengePodcast

Follow on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Want scripts, role-plays, and real deal reviews? Join the Protégé Community: https://investorcircles.com

Like, subscribe, and send this to three investors who need a stronger negotiation game. Let’s get these contracts signed.

#PropertyChallenge #TerricaLynnSmith #Negotiation #RealEstateDeals #WealthBuilding

HOW TO FIND TIME TO INVEST IN REAL ESTATE

Sat, 18 Oct 2025 05:00:47 +0000

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 tomorrow

Listen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16

Subscribe on YouTube: https://www.youtube.com/@PropertyChallengePodcast

Follow on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

Ready to upgrade your time and your portfolio? Join the Protégé Community for live coaching, templates, and accountability: https://investorcircles.com

Like, subscribe, and share with three people who need their TIME back and their ASSETS up.

IM STILL STANDING

Sat, 11 Oct 2025 17:43:46 +0000

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 policy
A simple crisis triage: protect delivery, cash flow, and critical ops first
The rebuild playbook: communicate hard truths, reset roles, and hire for culture-add
Composure tools—cadence, language, and boundaries—that calm chaos and fuel the comeback

Listen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16

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!

FOR MORE: https://www.youtube.com/@PropertyChallengePodcast

Follow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

#PropertyChallengePodcast #RealEstateInvesting #TerricaLynnSmith #RealEstateBullies #WealthBuilding

BULLIES IN REAL ESTATE

Sat, 04 Oct 2025 17:15:05 +0000

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 presentation
The mindset shift from small deals to legacy projects
Why confidence and preparation disarm bullies
How to protect your deals and your peace when the stakes are high

Listen on Spotify: https://open.spotify.com/show/4SqljVgYSI2caCxeU4YmKB?si=8ce654b41b714f16

If 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/@PropertyChallengePodcast

Follow us on TikTok: https://www.tiktok.com/@propertychallenge?is_from_webapp=1&sender_device=pc

#PropertyChallengePodcast #RealEstateInvesting #TerricaLynnSmith #RealEstateBullies #WealthBuilding

HOW TO CONQUER THE FEAR OF DEBT

Sat, 27 Sep 2025 16:00:04 +0000

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

WATCH OUT FOR CAIN ON YOUR TEAM

Sat, 06 Sep 2025 16:00:23 +0000

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!

HOW DO INVESTORS INSPECT PROPERTIES

Sat, 30 Aug 2025 16:00:48 +0000

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!

HOW I FAILED THE REAL ESTATE EXAM 7X

Sat, 23 Aug 2025 14:00:09 +0000

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 estate

The emotional rollercoaster of failing the exam multiple times

The mindset shifts that helped her overcome obstacles

The importance of surrounding yourself with the right people

How to turn setbacks into comebacks

If 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

HOW TO WIN A REAL ESTATE WAR

Sat, 16 Aug 2025 14:00:56 +0000

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-doubt
The significance of knowledge in real estate investing
Building your team of experts to support your journey
The importance of market research and staying informed
Strategies for diversifying your real estate portfolio
The power of ownership as a birthright

Whether 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! 💪

HOW TO LEVERAGE DEBT IN REAL ESTATE

Sat, 09 Aug 2025 14:00:17 +0000

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!

HOW TO RAISE A CHILD TO FOLLOW YOUR GOD GIVEN BLUEPRINT

Sat, 02 Aug 2025 14:00:13 +0000

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 investor

Navigating anxiety and personal growth

The importance of consistency and hard work

Overcoming the pressures of comparison

Faith and ownership as a birthright

Join 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

HOW TO REMAIN FRIENDS IN BUSINESS

Sat, 26 Jul 2025 14:00:42 +0000

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 roles

How to handle difficult conversations and emotions in a business setting

The power of gratitude and celebrating each other's successes

Tips for building a strong, kingdom-focused team

If 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

HOW TO BECOME A WHOLESALER

Sat, 12 Jul 2025 14:00:35 +0000

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

HOW TO TURN A BAD REAL ESTATE DECISION INTO A GOOD ONE

Sat, 12 Jul 2025 14:00:02 +0000

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

HOW TO COVER YOUR ASSETS AS A REAL ESTATE INVESTOR

Sat, 05 Jul 2025 14:00:21 +0000

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 step
How the insurance companies responded (and why it matters)
The legal protections that worked — and the ones that didn’t
What I learned about tenant screening, property management, and documentation
Practical steps to protect yourself, your properties, and your business

This 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!

HOW SHE WON A HOUSE FOR $97: YOU HAVE TO PAY TO BE IN THE ROOM

Sat, 28 Jun 2025 14:00:00 +0000

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!

SHOW ME THE MONEY: HOW TO AVOID SCAMMERS IN REAL ESTATE

Sat, 21 Jun 2025 14:00:00 +0000

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

HOW I LOST $100K IN REAL ESTATE

Sat, 14 Jun 2025 16:21:39 +0000

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

BEWARE OF BAD TENANTS

Sat, 07 Jun 2025 14:00:00 +0000

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

HOW TO DEVELOP A MOBILE HOME PARK

Sat, 24 May 2025 14:00:00 +0000

In this episode of the Property Challenge Podcast, Terrica Lynn Smith, dive into the lucrative world of mobile home park development. She address the common questions from investors about how to start generating income through real estate development, specifically focusing on mobile home parks.

Begin by emphasizing the importance of doing your homework before purchasing land. Understanding the zoning laws and the area's demographics is crucial to ensure that your mobile home park will be in a location that supports its success. I share my personal experiences owning several mobile home parks and highlight the potential profitability of these investments, even if you only own the land & More.

🔔 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

PC LIVE 2025 The Super Bowl of Real Estate is HERE! This is your chance to learn from top real estate experts, grow your network, and take your business to the next level.

Ready to turn knowledge into action?

Don’t just watch the market — OWN IT.

Grab your ticket today and don’t miss the ultimate real estate event of the year! Grab your ticket NOW: https://propertychallengelive.com/

✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences!

#mobilehomes #mobilehomeparks #terricalynnsmith #propertychallengepodcast

NIGHTMARE PARTNERSHIPS

Sat, 17 May 2025 14:00:00 +0000

In this episode of the Property Challenge Podcast, host Terrica Lynn Smith explores the often overlooked topic of bad partnerships in real estate. With over 20 years of experience, Terrica shares her stories of nightmare partnerships, highlighting the importance of trusting your discernment and recognizing red flags before entering agreements.

Join Terrica as she discusses:

The significance of aligning goals with your partners

The critical role of clear communication in successful partnerships

How to avoid uneven efforts and ensure accountability

The importance of operating in the light and maintaining transparency

Lessons learned from past experiences, including dealing with theft and legal issues

Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights to help you navigate the complexities of real estate partnerships. Don't miss out on Terrica practical advice and empowering messages that can help you build successful and fulfilling business relationships.

🔔 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: https://thepropertychallenge.com

✈️ 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! 🔔

STRUGGLING AS A REAL ESTATE INVESTOR

Sat, 10 May 2025 14:00:27 +0000

Terrica Lynn Smith dives deep into the struggles that many real estate investors face, especially when trying to navigate partnerships. While partnerships can offer valuable opportunities, they can also leave you feeling stuck and overwhelmed if not managed properly. I’ll break down why partnerships can sometimes lead to more stress than success, and share how understanding the dynamics of your partnership is key to avoiding those pitfalls. If you’re in real estate or considering getting into it, this video 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: https://thepropertychallenge.com

✈️ 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 #Redlining #RealEstate #HomeAppraisal #SystemicRacism #Investing #homeownership

KNOW YOUR LINES - THE RISKS OF BUILDING ON THE WRONG PROPERTY

Sat, 03 May 2025 14:00:00 +0000

In this episode of the Property Challenge Podcast, we dive into a gripping story about property lines and the legal battles that can arise from boundary disputes. Join us as we explore a real-life case involving two families, the Mulders and the Fabres, who find themselves in a heated conflict over land ownership and mineral rights.

Learn why understanding property lines is crucial for every real estate investor and homeowner. We discuss the importance of having your property staked before building, the risks of encroachment, and the potential legal consequences of building on someone else's land.

Throughout the episode, we share valuable tips on accurately determining your property lines, including checking your deed, hiring a surveyor, and looking for physical markers. We also emphasize the importance of communication with neighbors and proper documentation to avoid disputes.

Whether you're a seasoned investor or just starting out, this episode is packed with insights to help you navigate real estate ownership's complexities. Don't miss out on these essential nuggets of wisdom!

🔔 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: https://thepropertychallenge.com

✈️ 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 #Redlining #RealEstate #HomeAppraisal #SystemicRacism #Investing #homeownership

BUILDING IN CHAOS: BAD PROJECT MANAGER

Sat, 26 Apr 2025 14:00:00 +0000

Welcome to the Property Challenge Podcast! In this episode, your host, Terrica Lynn Smith, dives deep into the essential role of project management in real estate investing.

Are you looking to build a successful real estate portfolio? It all starts with assembling the right team, including a strong project manager. Terrica breaks down the critical differences between a project manager and a property manager, emphasizing the importance of execution, budget management, and effective communication.

Join us as Terrica shares her personal experiences, including lessons learned from hiring mistakes and the challenges of managing contractors. Discover the qualities that make a great project manager, from being an executor to a skilled negotiator, and learn how to avoid common pitfalls that can cost you time and money.

Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights to help you navigate the complexities of project management in real estate. Tune in and get ready to elevate your investing game!

🔔 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: thepropertychallenge.com

✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳

Go Here: investorcircles.com

✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration from Terrica’s experiences! 🔔

#PropertyChallenge #Redlining #RealEstate #HomeAppraisal #SystemicRacism #Investing #homeownership

THE DISCERNING INVESTOR

Sat, 19 Apr 2025 14:00:00 +0000

🔔 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: thepropertychallenge.com

✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳

Go Here: investorcircles.com

✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration straight from Terrica’s own experiences! 🔔

#PropertyChallenge #Redlining #RealEstate #HomeAppraisal #SystemicRacism #Investing #homeownership

FIGHTING AGAINST RACISM IN REAL ESTATE

Sat, 12 Apr 2025 14:00:00 +0000

In this episode of the Property Challenge Podcast, I delve into the critical issue of redlining, a discriminatory practice that continues to affect communities of color in the real estate market. I share a compelling story from 2023 about a Black family, Dr. Nathan Colony and Dr. Shannon Mott, who faced appraisal discrimination while trying to refinance their home in Baltimore. Despite investing $40,000 in renovations and living in a neighborhood with rising home values, their initial appraisal came in significantly lower than expected, highlighting the systemic biases in the appraisal industry.

I discuss how the couple, aware of the challenges posed by redlining, took action by removing personal items that indicated their racial identity and had a white colleague stand in for them during a second appraisal. This time, the home was valued at $750,000, a stark contrast to the previous appraisal. Their experience underscores the ongoing issues of racial bias in home valuations and the broader implications of redlining on property values in Black neighborhoods.

Throughout the episode, I emphasize the importance of understanding these systemic issues and encourage listeners to advocate for themselves in the real estate market. I also share my own experiences with redlining when seeking financing for a community development project, illustrating the challenges many face in accessing financial resources.

Ultimately, I want to empower my listeners to stand firm against discrimination and to believe in their right to homeownership. This episode serves as a call to action for all investors and aspiring homeowners to recognize and combat the injustices that persist in the housing market today. Thank you for joining me, and I hope you find inspiration in this story to pursue your real estate goals.

🔔 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 Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: thepropertychallenge.com

✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳

Go Here: investorcircles.com

✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration straight from Terrica’s own experiences! 🔔

#PropertyChallenge #Redlining #RealEstate #HomeAppraisal #SystemicRacism #Investing #HomeOwnership

HOW DID I BECOME A REAL ESTATE INVESTOR!

Sat, 05 Apr 2025 14:00:00 +0000

🎉 Welcome to the Property Challenge Podcast hosted by Terrica Lynn Smith! 🎧🏡

In her very FIRST episode, Terrica takes you behind the scenes of her own personal real estate journey—and it doesn’t get realer than this! 💥 She’s sharing the highs, lows, and everything in between that helped her build her property empire. 🌟 If you're ready to get real about real estate, this episode is for you! 💼💡

💥 Join Terrica’s 5-Day Property Challenge and learn how YOU can start or scale your real estate journey with the same strategies that helped her succeed! 📈🔥

Go Here: thepropertychallenge.com

✈️ Join my Protégé community for Live Calls and Events, Exclusive Content, and to connect with like-minded investors! Now's your time! ⏳

Go Here: investorcircles.com

✨ Subscribe so you never miss an episode packed with actionable tips, strategies, and inspiration straight from Terrica’s own experiences! 🔔

💬 Drop your thoughts and questions in the comments—Terrica loves engaging with you!

🔑 Follow Terrica on all socials for more updates and tips:

Instagram | Facebook | TikTok @📲femalerealestateguru

Let’s get real and take your property game to the next level! 🚀 #PropertyChallenge #RealEstateJourney #TerricaLynnSmith #RealEstateTips #5DayChallenge #GetRealWithRealEstate