The case of United States v. Heppner has brought a new and critical issue to the forefront of legal practice: how courts treat documents generated by artificial intelligence tools. Bradley Heppner, the former chairman of GWG Holdings, Inc., faces serious charges including securities fraud and conspiracy. A key development in this case involves 31 documents created using a commercial AI tool called Claude, which prosecutors seized during a search of Heppner’s residence. The c

Real estate investors today have more financing options than ever before—and one of the most popular tools in the investor toolbox is the DSCR loan, or Debt Service Coverage Ratio loan. Unlike traditional mortgages that rely on the borrower’s income, DSCR loans focus on the income‑producing potential of the real property itself. This makes them especially attractive for self‑employed borrowers, portfolio investors, and short‑term rental hosts seeking scalable financing. What

Alabama’s real estate market is shifting into a more deliberate, less overheated phase — and for investors, that’s often where the best opportunities emerge. Slower buyer activity, rising inventory, and steady price appreciation are reshaping the landscape in ways that reward disciplined, long‑term strategies. Whether you’re focused on rentals, flips, or portfolio expansion, the current environment offe rs room to maneuver that simply didn’t exist during the frenzy of the pas

Subject-to (Sub-2) in real estate is a creative financing strategy where a buyer takes ownership of a property but leaves the existing mortgage in the seller’s name. That is, the property is purchased “subject to” the original mortgage.  The buyer receives the deed and agrees to continue making the mortgage payments, while the loan itself remains in the seller’s name.  - The seller gets the benefit of saving their credit from default or foreclosure, and the monthly payments i