Real estate investors move fast, but traditional lenders rarely do. Long approval times, rigid rules, and misaligned incentives often slow down deals and hurt returns.

In this episode of Invst Guru, host Jeff “Fuzzy” Wenzel sits down with Tim Herriage, founder of Ternus, to unpack what is broken in real estate lending and how a customer-owned model can better serve Main Street investors.

Tim shares his journey from Marine to real estate investor and lender, including his experience building and scaling major lending platforms. Along the way, he saw how institutional lending drifted away from the needs of everyday investors. That insight led to the creation of Ternus, a private lending platform designed around speed, trust, and shared ownership.

In this conversation, we explore:

• Why traditional real estate lending fails most investors?

• How private lending can close deals in days, not weeks?

• The fix and flip loan model and why it works.

• Asset-based lending and risk management fundamentals.

• Why aligning customers and investors matters?

• How community ownership changes incentives?

• The role of technology in faster underwriting.

• What investors should know about capital preservation and yield?

• How real estate lending performs across market cycles?

This episode is for real estate investors, founders, operators, and anyone interested in alternative lending, private credit, and community-aligned financial models.

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