My experience was similar to the review…
My experience was similar to the review where I lost 3K and received no value. The pressure was great to move into an uncomfortable financial situation or lose the investment completely.
By Voni L.
Monday, November 2, 2026 · Customer reviews of US businesses

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10 reviews
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Terrica Lynn Smith is a real estate developer and investor with a redemption story. Despite experiencing abuse and trauma at a young age, she’s built a successful career as a real estate investor, mentor, and business owner. Her mission is to help one billion people break the chains of poverty and experience the freedom she has come to know. The Investor's Circle is a mentorship program meant to create real estate investors and facilitate breaking general chains of poverty, teaching students how to become a real investor that can make their own way. This program offers live coaching, deal reviews, in-person meetups, and a treasure trove of real estate resources.Through her work, Terrica is all about helping others break free from negative cycles, take control of their lives, and build financial freedom through real estate. Her story and programs inspire people to believe that success is possible no matter where they start.
Terrica Lynn Smith (Investor's Circle) (terricalynnsmith.com) has 10 customer reviews on The Fair Hearing, with an average rating of 3.8 out of 5.
10 approved reviews, newest moderated first
My experience was similar to the review where I lost 3K and received no value. The pressure was great to move into an uncomfortable financial situation or lose the investment completely.
By Voni L.
In 2022. I signed up because I genuinely believed in the opportunity, but I ended up feeling misled. We were told that continuing would require an additional 10,000 investment, and I paid $3,000 thinking it was going toward an actual investment not realizing it was just the opening act. Only after paying was I told I’d need to take out a $10,000 loan for “education.” That was shocking, and I refused. I requested a refund immediately once I understood what was happening, but I was told there would be no refund and that all I would receive was a course. I walked away with nothing and lost $3,000. If this had been clearly stated from the very beginning, I would have made an informed decision .
By Shenah T.
What made my experience great was the structure and clarity of the strategy. The challenge provided actionable steps that I could immediately implement in my real estate business. The workbook was practical, not theoretical, and when followed, it produced results. The team was responsive and supportive. They presented multiple financing options and different opportunities to make Inner Circle accessible, which showed flexibility and a genuine effort to help participants move forward. Although I ultimately chose not to join due to prioritizing capital allocation in my current projects, I appreciated the professionalism. I also want to highlight that despite the deposit being labeled non-refundable.... That demonstrated integrity. Overall, the company does well in providing structured education, clear strategy, and real implementation guidance for investors willing to execute.
By Keyanna Besha' M.
She’s a scammer .. stay away
By Bailey J.
I highly recommend the investor circle to new and experienced investors. Everyone can use a mentor! Knowledge is infinite and real estate is always changing. What I love about inner circle cycle 7 (my cohort) is the community, the knowledge, the accountability, and all my prayer warriors and God loving people- that’s the community and coaches, mentors, & affiliates too!! It’s so bomb!! I’m just getting started. Can’t wait to review again after my 18 doors towards freedom!!
By Asia D.
For years I've been looking for information on real estate . I came across Terrica Lynn Smith vedio on social media and was blown away by her powerful testimony how GOD brought her out of property into a life of real estate. Her trails and tests endurance has paid off to be a millionaire in real estate. That's all I needed to believe and see someone of color to give her program a try . So thankful I did .
By Tammie
The Property Challenge was filled with immense information that truly shifted my mindset around building generational wealth. Terrica and her team definitely has a heart for others and wants to see everyone succeed!
By Nadiyah
I took away a lot of information that helped me make an informed decision to take what I learned to the next level.
By Sheila W.