Tim Herriage

The best time to get into real estate is when you’re ready to take action. Learning happens fastest by doing, gaining real experience, making adjustments, and growing with each deal. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Sometimes in real estate, you have to set firm boundaries. When payments aren’t made, taking decisive action, like enforcing agreements, can be necessary to protect your business and livelihood. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

The standard isn’t the competition, it’s constant improvement. By pushing for faster, better results every day, even falling short still puts you far ahead of the industry average. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

The goal is continuous improvement. Instead of comparing to others, focus on beating your own benchmarks. Push for faster, better results and use innovation to keep raising the standard. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

A key principle in real estate is aligning with affordability. When a property’s payment matches local rental rates, it stays in demand, creating stronger opportunities for both flips and long-term investments. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Asset-based lending focuses on the strength of the deal, not just the borrower. With the right equity and accountability on both sides, deals perform better and risk stays controlled. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Welcome to the first annual Ternus Shareholders Conference. A huge milestone bringing together investors, partners, and community under one roof. Built on transparency, shared vision, and long-term growth. Grateful for everyone who’s been part of the journey and excited for what’s ahead. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

It’s not new though. We’ve known this is the outcome for decades.

Subject-to deals involve taking ownership while leaving the original loan in place. While possible, they come with risks like due-on-sale clauses, lender requirements, and potential violations of loan terms. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Skills and adaptability will always matter. As technology evolves, those willing to learn, grow, and apply real-world skills will continue to stay valuable and in demand. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPowe

Interest rates matter, but affordability is everything. Factor in taxes, insurance, and total payment. Whether renting or flipping, success comes from matching your deal to what buyers can actually afford. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

100% financing can open doors for new investors. When strong deals are carefully vetted, the right opportunities can help investors succeed while still managing risk responsibly. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Less can truly be more in business. Instead of chasing every opportunity, focusing on one strategy and mastering it often leads to stronger results. What you give your full attention to is what ultimately grows. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Once a loan enters processing, strategy matters. Placing strong deals into cash flow funds can boost returns, strengthen performance, and create greater value for both investors and the fund overall. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

No credit score? No problem. If the asset is solid, your ability to perform matters more than past numbers. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Waiting for 3% interest rates again may not be realistic. Today’s market requires smart deals and realistic expectations. If the numbers work now, it may be the right time to act. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Risk is rarely about one factor. It’s the accumulation of small concerns that matters. Strong credit, experience, and financial stability can offset uncertainty and help make a deal workable. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Experience matters, but scaling a business requires more than knowledge. As operations grow, investing in technology and team training becomes essential to maintain quality, efficiency, and consistent results. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Real estate strategies are often misunderstood online. Many approaches that were designed to structure deals responsibly are now used incorrectly. The key is understanding the proper purpose and applying them the right way. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower

Risk rarely comes from one factor. Credit, experience, valuation, market conditions, and loan size stack together. Each exception adds a layer, and the more layers you add, the more carefully the deal must be evaluated. #RealEstateFunding #SmartCapital #TernusLoans #Investing #LendingPower