Property Challenge Podcast

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 liabilities
• Why your primary residence can build wealth
• How renting keeps you in the same financial position
• The truth about appreciation, equity, and long-term value
• The mindset that keeps people stuck as tenants

This 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.com

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

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 REALTOR
• What investor-friendly agents actually do
• Signs you have a BAD agent (and need to fire them)
• How top-performing agents help investors win deals
• Why some agents earn $40K commissions… and others don’t deserve it

If 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 #Entrepreneurship

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

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

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

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

#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 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

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

#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 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

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

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

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

Follow 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 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

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

Follow 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 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

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

Follow 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 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

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

Follow 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 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

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

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