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 

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

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

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:

1. Write your Family Wealth Vision Statement (2 sentences).
2. Teach one financial lesson to your child this week.
3. 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

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

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

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

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.

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

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