How is artificial intelligence changing mortgage note investing and real estate?

In this episode of the Paperstac Podcast, Rick Allen and TJ Osterman break down practical ways note investors can use AI tools such as ChatGPT, Claude, and Gemini to save time, improve decision-making, and operate more efficiently.

They explore how AI can help investors:

• Research unfamiliar topics and understand complex note terminology
• Write clearer emails and stronger mortgage note listings
• Analyze loan documents, payment histories, servicing notes, and collateral files
• Review assignments, title documents, and potential gaps in the chain of title
• Evaluate nonperforming mortgage notes and possible loan outcomes
• Automate everyday tasks using email, Slack, Asana, Google Drive, and other business tools
• Build an AI assistant that functions like a digital chief of staff

Rick and TJ also share how Paperstac is incorporating AI-powered document organization, data extraction, and loan-file analysis into its mortgage note trading platform.

Whether you’re an experienced note investor or just learning how to buy and sell mortgage notes, this conversation offers practical ways to begin using AI without becoming overwhelmed.

The key takeaway: start small, ask questions, and always verify the results.

Learn more about buying and selling mortgage notes at https://paperstac.com.

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Pricing a mortgage note is not just about picking the highest number. It comes down to seller motivation, market timing, buyer demand, asset quality, and how quickly you need to move.

In this episode of the Paperstac Podcast, TJ and Rick Allen break down how sellers should think about pricing expectations when listing notes, why some assets move quickly while others sit, and how the trade-off between speed and price can shape the entire transaction.

They also discuss Paperstac’s Trade Desk, the Paperstac Price Predictor, year-end motivation, decision-maker delays, buyer offer strategy, and why realistic pricing can help sellers avoid missed opportunities.

Topics covered:

• Why seller motivation matters when pricing mortgage notes
• How speed affects the price buyers are willing to pay
• Why some notes sell above par
• What causes a note listing to sit without offers
• How buyers should think about making offers
• Why year-end timing can create opportunities
• How opportunity cost impacts note-selling decisions
• How Paperstac’s Trade Desk supports both buyers and sellers

If you have a note, portfolio, or unique debt-related opportunity you want to discuss, reach out to the Paperstac team.

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Rick Allen and TJ Osterman are back on the Paper Stack Podcast to talk about balancing yield and risk in note investing.

In this episode, they dig into why chasing an 18% target yield can sound attractive, but often comes with added risk, more defaults, thinner equity, smaller-balance assets, or heavier servicing and workout demands. They also explain why experienced investors may prefer steady “base hit” performing notes in the 8-10% range when the borrower profile, equity position, collateral file, and exit options are strong.

Rick and TJ cover loan-to-value, borrower credit, down payments, collateral review, performing versus non-performing loans, portfolio balance, and why liquidity matters when you may need to retrade a note later.

The takeaway: don’t step over a solid deal just because it does not hit a flashy target yield. A balanced portfolio can create steadier cash flow, reduce stress, and still leave room for higher-yield opportunities.

This episode is for educational purposes only and is not financial, legal, or investment advice.

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