If you missed todays session please head over to the forms library to secure the deck where is has already been posted. Also, you can view the downloaded recording of the session here if you missed it. If you have questions or suggestions, drop some knowledge in the comments below for a fellow member!

If you missed the presentation today, take a minute to review it! The full deck is also attached. Threads are open for comments! Let's find some deals!

We will begin posting monthly discussion topics in the Forms Library section of The Circle. On those posts you can tag, share, or ask questions related to the topic itself and we will be able to answer those question on a more detailed basis. It is a great way to utilize the community for solutions!

Background in relationship banking, residential mortgage underwriting, and credit repair for personal and business clients, plus a few rental properties of my own on the investor side. Now Collateral Underwriter at Ternus Lending. What I do: review and evaluate collateral to identify any potential risk and determine the best possible structure and strategy for the deal. — but I've also sat in processing, closing, underwriting, and draws, so I've seen what it actually takes to get a file across the line. What I'm here to build: more knowledge and information I can put to use, new people to learn from, and a hand to lend wherever it's useful.

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