LoanBoss Insights

CRE Debt Intelligence

Market commentary, educational guides, and AI-powered insights from the team behind LoanBoss and Pensford.

The Debt Stack

Market Data · Oct 6, 2026

Source: Pensford

SOFR

3.89%

−1 bps

1M Term SOFR

3.92%

Flat

3M Term SOFR

4.03%

−7 bps

5Y Treasury

5.02%

−2 bps

10Y Treasury

5.26%

+4 bps

Fed Funds Target

3.75–4.00%

last move: hike

The data that matters for your CRE loan portfolio this week — structured, sourced, actionable.

Read This Week's Brief

From the LoanBoss Team

Latest Articles

Market commentary, educational guides, and insights for CRE debt professionals.

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How Interest Rates Affect Cap Rates: Spreads and Lags

How interest rates affect cap rates: the spread to the 10-year Treasury, why the link is loose and lagged, and what it means for refinancing and values.

LoanBoss Team · Oct 6, 2026 · 7 min Read More →

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Commercial Loan Modification: Workouts, Special Servicing

A commercial loan modification changes the terms of a loan the borrower cannot refinance. How banks and CMBS special servicers decide, and what to bring.

LoanBoss Team · Oct 5, 2026 · 8 min Read More →

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Commercial Loan Assumption: Fees, Review and Deal Value

A commercial loan assumption lets a buyer take over the seller's mortgage. Agency transfer fees, what the lender reviews and how to value a below-market loan.

LoanBoss Team · Oct 2, 2026 · 8 min Read More →

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Weighted Average Interest Rate: Formula and Example

The weighted average interest rate weights each loan's current rate by its current balance. The formula, a five-loan worked example and the common errors.

LoanBoss Team · Oct 1, 2026 · 7 min Read More →

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Real Estate Debt Schedule: Columns and a Sample Table

A real estate debt schedule lists every loan's lender, balance, rate, payment and maturity in one table, and it serves a different reader than the SREO does.

LoanBoss Team · Sep 30, 2026 · 7 min Read More →

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Prepayment Penalty Types on Commercial Real Estate Loans

A commercial prepayment penalty follows one of six conventions. How step-down, yield maintenance, make-whole and defeasance costs move with rates and time.

LoanBoss Team · Sep 29, 2026 · 8 min Read More →

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Interest Rate Cap Cost: What Drives the Premium

Interest rate cap cost is set by the strike against the SOFR forward curve, term, notional and volatility. How to estimate a premium and a replacement cap.

LoanBoss Team · Sep 28, 2026 · 8 min Read More →

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SOFR Swap Rates: How Fixed-Rate CRE Loans Are Priced

A SOFR swap rate is the fixed rate traded against compounded SOFR for a set term. How it sets fixed-rate CRE loan pricing and the swap versus cap decision.

LoanBoss Team · Sep 25, 2026 · 8 min Read More →

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SOFR Forward Curve: How to Budget Floating-Rate Debt

The SOFR forward curve is the market's price for future SOFR, built from futures and swaps, and the base case for budgeting floating-rate debt and cap strikes.

LoanBoss Team · Sep 24, 2026 · 8 min Read More →

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Commercial Real Estate Refinance: Sizing and Timing

A commercial real estate refinance is sized by DSCR, debt yield and LTV at current rates. How to price the full cost, test a cash-out and choose the date.

LoanBoss Team · Sep 23, 2026 · 8 min Read More →

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What CRE CFOs and Capital Markets Teams Actually Ask For in Debt Software

CRE CFOs want debt management software to give trustworthy numbers, unedited deliverables and fewer hires. Here is what they need and how to test for it.

LoanBoss Team · Sep 8, 2026 · 7 min Read More →

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Vendor Risk Assessment for CRE Debt Management Software: What to Ask

A vendor risk assessment for CRE debt software covers security, data ownership, continuity and exit. Here is the checklist and what LoanBoss provides.

LoanBoss Team · Sep 7, 2026 · 7 min Read More →

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SOC 2 Type II and Loan Management Software: What the Report Actually Covers

SOC 2 Type II is the security credential borrowers and lenders ask about first: what it certifies, which CRE loan platforms hold it, and how to read it.

LoanBoss Team · Sep 4, 2026 · 6 min Read More →

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Debt Management for Family Offices Holding Commercial Real Estate Loans

Family offices carry CRE debt with personal guaranties, long holds and a small team. Here is what that requires from debt tracking and how to get it.

LoanBoss Team · Sep 4, 2026 · 6 min Read More →

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How to Evaluate Customer Support in CRE Debt Management Software

How to evaluate customer support in CRE debt software: test a vendor before you sign, read what public reviews show, and the standard LoanBoss commits to.

LoanBoss Team · Sep 3, 2026 · 6 min Read More →

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Loan Portfolio Management for Private Equity Real Estate Funds with Hundreds of Loans

At two hundred loans across several funds the questions change: fund-level exposure, LP reporting on debt, refinancing pipelines and guarantor concentration.

LoanBoss Team · Sep 2, 2026 · 7 min Read More →

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Loan-Level Valuations for Investment Committee: Debt in the Hold/Sell Decision

Investment committee asks hold or sell; the debt answers half the question with prepayment cost, assumption value, refinancing exposure and hedge value.

LoanBoss Team · Sep 1, 2026 · 6 min Read More →

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Case Studies and Reviews: How to Verify CRE Debt Software Claims

Every vendor has testimonials and few have verifiable case studies. Here is how to read the evidence for CRE debt software and which vendors publish what.

LoanBoss Team · Aug 31, 2026 · 6 min Read More →

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How Real Estate Finance Teams Use AI to Automate Lender Compliance Reporting

Finance teams automate lender compliance reporting with AI at three points in the workflow, with structured loan data, a rules engine and human sign-off.

LoanBoss Team · Aug 28, 2026 · 6 min Read More →

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Loan Portfolio Dashboards with Real-Time Rates: What a CRE Owner Should See Every Morning

A loan portfolio dashboard is only useful when today's rates flow through the right loan conventions. What belongs on a CRE owner's screen every morning.

LoanBoss Team · Aug 28, 2026 · 6 min Read More →

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Implementation Timelines for CRE Debt Software: How Long Onboarding Really Takes

CRE debt software implementation timelines run from an hour to over a year. The difference is who does the work, what live means, and what onboarding includes.

LoanBoss Team · Aug 27, 2026 · 7 min Read More →

Research

The Maturity Wall: A Refinancing Workflow Playbook for CRE Debt Teams

How a CRE debt team runs a maturity wall refinancing pipeline: triage, prepayment timing, extension versus refi, proceeds gaps and lender packages.

LoanBoss Team · Aug 26, 2026 · 7 min Read More →

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Portfolio-Wide Loan Cashflow Projections and Hold/Sell Scenario Analysis

A portfolio cash flow projection is only as good as the loan conventions inside it. How to project debt service, prepayment and hedge cash flows by scenario.

LoanBoss Team · Aug 25, 2026 · 6 min Read More →

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Cost and ROI of Loan Portfolio Software vs Hiring Analysts for a CRE Firm

Cost and ROI of loan portfolio software vs analysts: weigh the subscription against the hours removed, the errors prevented and the key-person risk retired.

LoanBoss Team · Aug 24, 2026 · 6 min Read More →

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AI-Powered CRE Debt Portfolio Surveillance: What It Monitors and What It Needs to Work

AI debt portfolio surveillance monitors every CRE loan against its covenants, triggers, hedges and critical dates. It works only on complete loan data.

LoanBoss Team · Aug 21, 2026 · 6 min Read More →

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Recourse and Guaranty Burndown: Tracking Guarantor Exposure Across a CRE Portfolio

Guaranty burndown reduces recourse on milestones the loan documents define, and nobody tells the guarantor when. Here is how to track it across every loan.

LoanBoss Team · Aug 21, 2026 · 6 min Read More →

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RFP Criteria for Selecting a Commercial Real Estate Debt Management System

A working RFP template for CRE debt management software: the criteria that separate platforms and how to score vendors on your own loans, not on a feature list.

LoanBoss Team · Aug 20, 2026 · 6 min Read More →

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Escrows, Reserves and Repair Schedules: Tracking Post-Closing Obligations on CRE Loans

How to track tax and insurance escrows, replacement and TI/LC reserves, repair escrows with deadlines and replacement cap escrows across a CRE loan portfolio.

LoanBoss Team · Aug 19, 2026 · 6 min Read More →

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Lender Reporting Automation That Keeps Your Existing Excel Reports

The report your lender and board already accept is the one to automate, not replace. Here is how lender reporting automation keeps the spreadsheet's format.

LoanBoss Team · Aug 18, 2026 · 6 min Read More →

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CRE Debt Software That Integrates with Yardi, MRI and RealPage

What a real integration between CRE debt software and Yardi, MRI or RealPage looks like, which platforms have one, and the questions that expose a shallow one.

LoanBoss Team · Aug 17, 2026 · 6 min Read More →

Learn

Floating-Rate Loan Re-Amortization and SOFR Index Tracking for Borrowers

Every SOFR reset changes the payment, and on agency floaters the amortization too. Here is how re-amortization works and how to tie out to the servicer.

LoanBoss Team · Aug 14, 2026 · 6 min Read More →

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Hedge Requirements in Loan Documents: Replacement Caps, Swap Mark-to-Market and What Lenders Test

Your loan agreement says what hedge to hold and when to replace it. Here is how to track cap and swap requirements, mark-to-market and replacement costs.

LoanBoss Team · Aug 14, 2026 · 6 min Read More →

Compare

Debt Tracking Software for Multifamily Owners: An Independent-Minded Comparison

Multifamily debt is agency-heavy, floating-rate-heavy and cap-heavy. Here is how the debt tracking software platforms handle a multifamily owner's portfolio.

LoanBoss Team · Aug 13, 2026 · 6 min Read More →

Learn

AI Loan Document Extraction: What It Gets Right and Where Humans Still Check

AI loan document extraction pulls the standard fields from a CRE loan agreement in minutes. Here is where it fails and why two rounds of human QA follow.

LoanBoss Team · Aug 12, 2026 · 6 min Read More →

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CRE Loan Covenant Compliance Software Compared: Borrower Tools vs Lender Tools

Most CRE loan covenant compliance software is built for banks. Here is which vendors serve borrowers, and what a borrower needs to automate a lender's own test.

LoanBoss Team · Aug 11, 2026 · 6 min Read More →

Learn

Why Excel Breaks for CRE Loan Portfolios (and What Actually Replaces It)

Excel isn't the problem. Repetition is. Here is where the CRE loan spreadsheet fails as a portfolio grows, and what a replacement has to do.

LoanBoss Team · Aug 10, 2026 · 7 min Read More →

Compare

JLL Debt Management System Alternatives for Real Estate Owners

JLL Debt Management System alternatives for owners who want a standalone debt engine, faster onboarding or deeper loan-document automation, LoanBoss included.

LoanBoss Team · Aug 7, 2026 · 6 min Read More →

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Automating the SREO and Debt Summary: From Quarterly Assembly to Live Reports

The SREO and the debt summary are the two reports every lender, agency and board asks for. Here is what each contains and how to make both refresh on their own.

LoanBoss Team · Aug 7, 2026 · 6 min Read More →

Compare

Chatham Financial Alternatives for CRE Debt Management and Hedge Tracking

Chatham Financial alternatives for owners who want the debt software without the advisory engagement, or deeper loan-document automation, LoanBoss included.

LoanBoss Team · Aug 6, 2026 · 6 min Read More →

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Lender Consent Requirements: Leases, Transfers and Management Changes Your Loan Documents Control

A big lease, a new partner or a change of property manager can require lender consent. Here is what loan documents restrict and how to track the thresholds.

LoanBoss Team · Aug 5, 2026 · 6 min Read More →

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Interest-Only Expiry: Planning for the Amortization Cliff Across Your Portfolio

When the IO period ends, the payment jumps and the DSCR drops on the same day. Here is how to see every IO expiry coming and test covenants in advance.

LoanBoss Team · Aug 4, 2026 · 6 min Read More →

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Partial Release Provisions in CRE Loan Documents: What Your Loan Requires to Sell One Property

Selling one asset out of a pooled or cross-collateralized loan means meeting the release price, post-release tests and notice rules before the buyer shows up.

LoanBoss Team · Aug 3, 2026 · 6 min Read More →

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TreasuryView Competitors for Commercial Real Estate Loan Management

TreasuryView is a self-service treasury platform for lean mid-market teams; these competitors cover US CRE borrowers with agency, CMBS and bridge loans.

LoanBoss Team · Jul 31, 2026 · 6 min Read More →

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Supplemental Loans on Agency Debt: Timing, Tests and Tracking

Fannie Mae and Freddie Mac supplementals add debt behind an existing loan without refinancing. Track the eligibility windows and combined tests from day one.

LoanBoss Team · Jul 31, 2026 · 6 min Read More →

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Cash Management Triggers and Cash Sweeps: How They Work and What to Monitor

A cash sweep turns property cash flow into the lender's until cure. Here is how cash management triggers work on CMBS, bridge and bank loans.

LoanBoss Team · Jul 30, 2026 · 7 min Read More →

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LifeCo Loans: What Life Company Commercial Mortgage Borrowers Need to Track

Life company loans are long, fixed and quiet, which is why borrowers forget the prepayment terms, reporting covenants and rate resets they still have to track.

LoanBoss Team · Jul 29, 2026 · 6 min Read More →

Compare

Lobby CRE Alternatives for Debt Portfolio Management and Lender Compliance

Lobby CRE is a strong BI layer. Owners who need lender compliance automation and loan-document depth beneath it have these alternatives, LoanBoss included.

LoanBoss Team · Jul 28, 2026 · 7 min Read More →

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Balance Sheet and Bank Loans: Covenant Tracking for Real Estate Owners

Bank loans carry the most bespoke covenants in a portfolio, tested on the lender's definitions and often at the guarantor level. Here is what to track.

LoanBoss Team · Jul 27, 2026 · 6 min Read More →

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Construction Loan Draw Tracking for Real Estate Developers: The Borrower's Side

Most draw software is built for lenders. Developers need the borrower's view: draws against budget, interest reserve burn, critical dates and recourse.

LoanBoss Team · Jul 24, 2026 · 6 min Read More →

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Loan Critical Date Tracking: Maturities, Extensions, Cap Replacements and Everything Else

A CRE loan carries dozens of critical dates and most owners track only maturity. The full list, the lead time each needs, and how to run alerts.

LoanBoss Team · Jul 24, 2026 · 6 min Read More →

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Pereview Alternatives for CRE Debt and Loan Portfolio Tracking

Pereview is a unified asset management platform where debt is one module. If debt is your main problem, these alternatives go deeper. Here is how they compare.

LoanBoss Team · Jul 23, 2026 · 6 min Read More →

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Bridge and Debt Fund Loans: Extension Tests, Notice Deadlines and What Trips Borrowers

Bridge loans live on their extension options. Here is how to track the tests, notice windows, fees and replacement caps that come with them from closing.

LoanBoss Team · Jul 22, 2026 · 6 min Read More →

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The 400-Field Loan Abstract: What a Complete CRE Loan Abstract Contains

A fifty-field loan abstract records the note. A 400-field loan abstract records the deal: rate mechanics, prepayment, covenants, hedges and dates.

LoanBoss Team · Jul 21, 2026 · 7 min Read More →

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Tracking CMBS Loans as a Borrower: Servicers, Cash Management and Defeasance

CMBS loans hand you a master servicer, a special servicer, a cash management agreement and a defeasance clause. Here is what a borrower tracks to payoff.

LoanBoss Team · Jul 20, 2026 · 6 min Read More →

Compare

Yardi Debt Manager Alternatives for Tracking CRE Loans and Covenants

Yardi Debt Manager fits Voyager shops with simple loans. Here is when it isn't enough, and how LoanBoss, Chatham, JLL, MRI and Pereview compare.

LoanBoss Team · Jul 17, 2026 · 8 min Read More →

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Managing Agency Loans (Fannie Mae and Freddie Mac): What to Track Beyond the Note

Agency loans are standardized, the deals are not. Floater re-amortization, prepayment lookbacks, supplementals, escrows and hedge requirements need tracking.

LoanBoss Team · Jul 17, 2026 · 6 min Read More →

Learn

Moving CRE Loan Tracking from Spreadsheets to a Platform Without Disruption: A Migration Playbook

A step-by-step plan for moving CRE loan tracking from spreadsheets to a platform: gather, phase, run in parallel, reconcile and retire the spreadsheet.

LoanBoss Team · Jul 16, 2026 · 6 min Read More →

Learn

Real-Time Prepayment Calculations: Why Your Prepay Estimate Is Wrong and How to Fix It

Yield maintenance, defeasance, spread maintenance, step-downs, make-whole and swap breakage each follow their own convention and move with the curve every day.

LoanBoss Team · Jul 15, 2026 · 6 min Read More →

Learn

A Single Source of Truth for CRE Debt: What It Means Across Lenders, Asset Managers and Accounting

A single source of truth for CRE debt reconciles closing binders, servicer portals, accounting and hedge confirmations into one loan record everyone reads.

LoanBoss Team · Jul 14, 2026 · 6 min Read More →

Learn

DSCR and Debt Yield Tests with Lender-Specific Adjustments: The Full Catalogue

No two lenders define NOI or debt service the same way. Here is every DSCR and debt yield adjustment in loan agreements and how to automate the test.

LoanBoss Team · Jul 13, 2026 · 6 min Read More →

AI Newsletter

AI Newsletter #4: Is AI Deflationary for CRE?

Bloomberg's top economist says AI is deflationary. For CRE it is more complex: AI capex drives data center demand while efficiency gains reshape staffing.

LoanBoss Team · Jul 10, 2026 · 6 min Read More →

Compare

Best CRE Debt Management Software 2026: An Honest Comparison

LoanBoss vs Yardi, Pereview, JLL, Lobby CRE and TreasuryView in 2026. Written by the LoanBoss team: yes, we're biased, and we say so up front.

LoanBoss Team · Jul 2, 2026 · 13 min Read More →

AI Newsletter

Exception Math - The 1% That Decides Whether I Ever Hire Again

Explore how AI's automation impacts hiring decisions, emphasizing the importance of managing exceptions and the evolving role of human oversight in business growth.

JP Conklin · Jul 1, 2026 · 3 min Read More →

AI Newsletter

New Team Composition: Build/Relationships

AI is dissolving the handoffs that departments existed to manage. JP Conklin rebuilds the org chart around the only two things the business actually does: Build and Relationships.

JP Conklin · Jul 1, 2026 · 3 min Read More →

Research

The 2026 Maturity Wall: A Data-Driven Update

Original data from $250B+ in managed portfolios on the $1.1 trillion CRE maturity wall: which loans are underwater and how the refi math works today.

LoanBoss Team · Jun 26, 2026 · 9 min Read More →

Learn

T-3 vs T-12 NOI: Why Your Lender Cares and You Should Too

Trailing 3-month and trailing 12-month NOI tell different stories about a property. Here's how to monitor both for covenant compliance across your portfolio.

LoanBoss Team · Jun 24, 2026 · 7 min Read More →

Learn

Defeasance Decisions in Portfolio Context: When Does It Make Sense?

Defeasance is a portfolio decision, not a standalone calculation. Here is the framework for when to defease, when to hold, and how rates change the math.

LoanBoss Team · Jun 17, 2026 · 8 min Read More →

Rates

Consumer Confidence Is Splitting: What It Means for Multifamily Debt

Low-income confidence is falling while high-income confidence rises. What that split means for Class A vs B/C multifamily DSCR and rent growth.

LoanBoss Team · Jun 12, 2026 · 8 min Read More →

Rates

Oil at $120: How Geopolitical Risk Flows Through Your Cap Costs

How oil at $120 after a Strait of Hormuz disruption reprices interest rate caps, compresses floating-rate DSCR, and what to do before it happens.

LoanBoss Team · Jun 5, 2026 · 7 min Read More →

Learn

DSCR vs. Debt Yield: Which Metric Actually Matters for Your Portfolio?

DSCR and debt yield measure different dimensions of loan risk. Here is when they diverge, why lenders pick one over the other, and how to monitor both.

LoanBoss Team · Jun 3, 2026 · 7 min Read More →

Debt Stack

The Debt Stack: Week of June 2, 2026

Weekly CRE debt data brief: 10Y Treasury at 4.50%, Warsh confirmed as Fed chair, $280B maturity wall looming in 2026. Bridge loan extensions rising.

LoanBoss Team · Jun 2, 2026 · 3 min Read More →

AI Newsletter

Anthropic Giveth and the Government Taketh Away

Explore the implications of Anthropic's AI model shutdown amid political tensions and the risks of relying on single AI systems for business operations.

JP Conklin · Jun 1, 2026 · 4 min Read More →

AI Newsletter

The Biggest Game Changer for Us: n8n

Discover how n8n transforms workflow efficiency by automating processes, enabling teams to save hours daily and streamline operations without extensive IT expertise.

JP Conklin · Jun 1, 2026 · 5 min Read More →

AI Newsletter

The Second Biggest Game Changer for Us: Supabase

Discover how Supabase transformed data management at Pensford, enabling AI-driven insights and efficiency through structured, clean databases.

JP Conklin · Jun 1, 2026 · 5 min Read More →

AI Newsletter

AI Newsletter #2: What We're Building and Why

How LoanBoss is building AI-powered loan abstraction with Claude: up to 400 fields in under 3 minutes for agency loans, and where the technology surprised us.

LoanBoss Team · May 28, 2026 · 4 min Read More →

Learn

Caps in Your Debt Portfolio: What to Track and When to Act

Cap costs are moving fast. Here's how to monitor your portfolio's cap exposure, when to extend or replace, and what rising vol means for your DSCR.

LoanBoss Team · May 27, 2026 · 8 min Read More →

Debt Stack

The Debt Stack: Week of May 26, 2026

Weekly CRE debt data brief: 10Y Treasury up to 4.55%, 5Y Swap jumps 8bps, oil stabilizing at $115. CMBS spreads tightening, construction starts declining.

LoanBoss Team · May 26, 2026 · 3 min Read More →

Learn

What Is Yield Maintenance? The Borrower's Complete Guide

Yield maintenance is the prepayment provision most CRE borrowers misunderstand, and the one that costs them the most money. Here's how it actually works.

LoanBoss Team · May 20, 2026 · 4 min Read More →

Learn

Yield Maintenance in Your Portfolio: What to Track and When to Act

Your yield maintenance penalty changes daily with Treasury rates. Here's how to monitor it, when prepayment makes sense, and how LoanBoss automates the math.

LoanBoss Team · May 20, 2026 · 9 min Read More →

Debt Stack

The Debt Stack: Week of May 19, 2026

Weekly CRE debt brief: 10Y Treasury down to 4.48%, SOFR flat at 4.31%, zero cuts priced. Blackstone launches data center REIT IPO, multifamily rents stall.

LoanBoss Team · May 19, 2026 · 2 min Read More →

Rates

New Fed Chair, New Playbook: What Warsh Means for Your CRE Debt

Kevin Warsh is the new Fed Chair and his instincts differ sharply from Powell's. What the handover means for rate exposure, refi timing and hedging.

LoanBoss Team · May 16, 2026 · 7 min Read More →

Rates

Goldman Sachs Just Raised $7B for CRE Debt: Here's What It Signals

Goldman raised $7 billion for CRE credit while 30-year Treasuries cross 5%. Smart money sees opportunity in debt distress. What it means for borrowers.

LoanBoss Team · May 15, 2026 · 7 min Read More →

Rates

Warsh Is In: What His First Week as Fed Chair Means for CRE Borrowers

Kevin Warsh was confirmed 54-45, the closest Fed Chair vote in modern history. What actually changed, what didn't, and what CRE borrowers should do now.

LoanBoss Team · May 15, 2026 · 8 min Read More →

Debt Stack

The Debt Stack: Week of May 12, 2026 (Updated)

Weekly CRE debt data brief: 30Y Treasury hits 5% for first time since 2007. Warsh confirmed 54-45. Rate hike wagers reload. What it means for your portfolio.

LoanBoss Team · May 14, 2026 · 4 min Read More →

AI Newsletter

The AI Newsletter: Why We're Publishing It Here Now

JP Conklin on why LoanBoss is moving its AI newsletter to loanboss.com, and what it means for CRE professionals navigating the AI revolution.

LoanBoss Team · May 14, 2026 · 2 min Read More →

Rates

30-Year Treasury Hits 5%: What It Means for CRE Permanent Debt

The 30-year Treasury crossed 5% for the first time since 2007. What it means for CRE fixed-rate borrowing costs, refi math and portfolio strategy.

LoanBoss Team · May 14, 2026 · 9 min Read More →

Debt Stack

The Debt Stack: Week of May 12, 2026

Weekly CRE debt data brief: 10Y Treasury at 4.52%, SOFR flat, markets pricing zero rate cuts through 2026. What it means for your portfolio.

LoanBoss Team · May 12, 2026 · 2 min Read More →

Rates

Zero Rate Cuts in 2026: What CRE Borrowers Need to Do Right Now

Markets are pricing zero rate cuts through 2026. If you're waiting for rate relief to bail out your refi, stop waiting. Here's what to do instead.

LoanBoss Team · May 12, 2026 · 2 min Read More →

AI Newsletter

AI Newsletter #3: Excel, Jevons Paradox, and Why AI Won't Kill Your Job

Torsten Slok's Daily Spark on 'Excel and Jevons Paradox' captures what we see at LoanBoss: AI creates more work, the way spreadsheets created more analysts.

LoanBoss Team · May 10, 2026 · 5 min Read More →

AI Newsletter

AI is Finally Transformational for Us

Discover how AI is revolutionizing loan document abstraction, significantly enhancing accuracy and efficiency, and transforming business operations.

JP Conklin · Mar 1, 2026 · 6 min Read More →

AI Newsletter

The Hiring Freeze Nobody Announced

Explore the impact of AI technology on hiring trends, revealing a hiring freeze in early-career roles as companies reassess their workforce needs.

JP Conklin · Mar 1, 2026 · 3 min Read More →

AI Newsletter

AI Just Started A Cult

AI technology has evolved rapidly with the rise of Clawdbot, sparking a digital revolution where autonomous agents form their own social networks and even cults.

JP Conklin · Feb 1, 2026 · 5 min Read More →

AI Newsletter

The Most Impactful 36 Months in Human History?

From his brother's “I'm going to be out of a job” text in December 2022 to $4T NVIDIA, JP Conklin's year-by-year account of the fastest adoption curve he has ever lived through.

JP Conklin · Dec 1, 2025 · 9 min Read More →

AI Newsletter

The AI Flash Boys

Explore the implications of AI advancements in industries like real estate, and why keeping pace with every trend may not be essential for survival.

JP Conklin · Nov 1, 2025 · 3 min Read More →

AI Newsletter

Beware the AI Sales Pitch - Part 1

JP Conklin asks Claude the same fixed-vs-floating question twice and gets two different answers — a hands-on look at why AI rate analysis has to be audited before you trust it.

JP Conklin · Oct 1, 2025 · 4 min Read More →

AI Newsletter

Beware the AI Sales Pitch - Part 2

Explore the dual nature of AI in sales, highlighting its impressive potential and the need for skepticism due to inconsistencies in accuracy and explanations.

JP Conklin · Oct 1, 2025 · 2 min Read More →

AI Newsletter

The Most Common Mistake is to Optimize a Thing That Should Not Exist

Exploring the pitfalls of optimizing ineffective processes, this post argues for building the right solutions instead of improving what's fundamentally flawed.

JP Conklin · Oct 1, 2025 · 2 min Read More →

AI Newsletter

Gonna Need New Haters, the Old Ones Are Starting to Like Me

Exploring the shift in perception towards AI technology, the author reflects on personal experiences and evolving industry attitudes, highlighting its transformative potential.

JP Conklin · Sep 1, 2025 · 2 min Read More →

AI Newsletter

Behavioral Economics in Software Design

Discover how behavioral economics influences the redesign of LoanBoss, enhancing user experience by catering to intuitive and analytical mindsets.

JP Conklin · May 1, 2025 · 2 min Read More →

AI Newsletter

Don’t Be a Tool

Explore the impact of AI on the workforce, highlighting the shift from blue-collar to white-collar job risks and lessons from past technological changes.

JP Conklin · Mar 1, 2025 · 4 min Read More →

AI Newsletter

Data is the raw material. Information is the output.

Discover the crucial difference between data and information, and learn how to build effective systems that prioritize valuable insights for better decision-making.

JP Conklin · Oct 1, 2024 · 3 min Read More →

Newsletters

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