Property Challenge Podcast

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

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 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

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

If you’ve been shrinking to keep the peace… this episode is for you.

In Episode 44 of The Property Challenge Podcast, I break down what it really means to be yourself anyway unapologetically, out loud, and without asking permission. Because the truth is: everybody won’t be comfortable with you… especially when you stop needing their approval.

This isn’t just motivation—this is a mindset shift for investors, leaders, entrepreneurs, and anybody who’s tired of editing themselves to fit in rooms God never assigned them to.

Quote from the episode:

“Your authenticity will offend people who benefit from your insecurity.”

In this episode, you’ll learn:

• Why confidence gets mistaken for “cocky” (and what to do about it)
• How people pleasing steals your voice, clarity, and 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

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

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

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

In this episode of The Property Challenge Podcast, I break down why waiting on rates is not a strategy, it’s a delay tactic. Interest rates will always fluctuate, but real investors don’t build portfolios based on things they can’t control.

If a deal only works at one interest rate, it’s not a deal  it’s a bet.

This is not theory.

This is investor education.

In this episode, you’ll learn:

• Why waiting for rates to drop keeps investors stuck and 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

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

You Don’t Lose Money on Bad Deals—You Lose It on Bad Execution 

Most investors don’t lose money because the deal was bad.

They lose money because the execution was bad.

And the most overlooked role in real estate execution?

The project manager.

In this episode, I break down:

• What a real project manager actually 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

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

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

2025 Tried to Take Me Out… But Getting Back Up Is Non-Negotiable 

2025 didn’t come quietly—it came swinging.

And if I’m being honest, it tried to take me out.

This episode isn’t about grinding harder, chasing more doors, or getting a bigger bag. It’s about how to stay focused without losing yourself when life hits you emotionally, mentally, spiritually, and financially.

If you’ve been tired, overwhelmed, or questioning how much more you can carry—this episode is for you.

In this episode, I talk about:

• Why being tired doesn’t mean you’re 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

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 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

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, 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

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 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

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

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

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:

1. Comment “BREAK” if you’re choosing to be a Victor, not a victim.
2. Share this episode with 3 people who need to know they are powerful enough—through God—to change their story.
3. 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