Almost 30 years on both sides of the closing table. First as the investor writing the check, then as the lender funding the file. I learned the business in that order, and it's the only reason I'm any use to you. What I do: founder and CEO of Ternus. We lend to real estate investors. I built the lender I spent two decades wishing somebody would build. What I'm building: this room. Somewhere an operator can put a real file in front of people who've seen it before and get a real answer — not applause, not a pitch, not "do your own research." That's the format. Three lines: who you are, what part of the business you're in, what you're here to build. Your turn. The more specific you are, the faster this room starts working for you.

Hey everyone! Make sure you have introduced yourself!

Cole Dickenson Business Development and Partnerships @ Ternus Lending Multi-state RE broker for 15+ years with many avenues of industry experience touchpoints. Here to build relationships and grow!

@Cole Dickenson provided a summary of the new housing law.

If you’re here, you’re not looking for hype, shortcuts, or another course to sit half‑finished on your hard drive. You’re here because you want to operate at a higher level in private lending. The Circle is a private network for serious operators—brokers, dealmakers, and capital partners—who want to think like lenders, structure deals correctly, and build real momentum in their business. This is not a classroom. This is not a content dump. And it’s definitely not a “guru community.” This is a working room. Inside The Circle, we focus on: - How lenders actually underwrite deals - How capital really flows—and where it gets stuck - How to structure files that move fast instead of dying on someone’s desk - How to build repeatable deal flow and long-term credibility - How to stop guessing and start operating with discipline You’ll see real conversations, real deals, real numbers, and real expectations. What I expect from you Show up. Ask smart questions. Contribute when you can. Operate with integrity. This community works because the bar is high—and we keep it that way. What you can expect from us Clarity. Access. Straight talk. A lender’s lens on every decision that matters. Over time, The Circle is designed to become something bigger than education. It’s a network, a credential, and a pathway—for those who are ready to do the work. For now, introduce yourself: - Who you are - What part of the business you’re in - What you’re here to build - Welcome to The Circle. Let’s get to work. Tim