Distressed and foreclosure real estate

Filter the list once. Underwrite the ones worth a bid.

A list of a hundred defaulted loans arrives, and someone opens each one by hand before a single deal reaches underwriting. Court documents that would answer the open question sit behind a case number nobody has time to pull, county by county. We build the system that filters the list against your criteria first, pulls the court documents once a case number exists, and holds every loan and every past deal on one shared record your whole team can query, so the underwriting starts on the properties actually worth the time.

See how we do it

Where the pipeline backs up.

Filtering

A hundred properties, filtered by hand

Default and foreclosure lists arrive by the hundred, and someone opens each one before a single deal reaches underwriting. The ones worth pursuing look no different in the list than the ones that are not.

Court records

The case number sits there unread

Court documents are public and tied to a case number you already have. Pulling them one at a time, county by county, is a research project most teams never get to.

Auction underwriting

Cash, no inspection, and the clock is the auction date

Bidding at auction means committing before anyone walks the property. Valuation, market condition, crime, and inventory levels all have to be judged in the few days before the gavel comes down.

Operations

The owned asset still needs a person to remember it

Insurance, utilities, contracts, handymen, brokers, pricing: once a property or a loan converts into an asset on your books, all of it needs active management, tracked by whoever happens to check that week.

What we build for the distressed desk.

Default and foreclosure lists filtered against your criteria

A list of a hundred properties gets scored and filtered before anyone opens a file, so the ones a person reviews are the ones actually worth the time.

Court documents pulled by case number

Once a case number exists, the public court record behind it gets pulled for the counties we scope with you, without waiting on someone with the time to request it.

One underwriting record the whole team can query

Every loan package, every valuation, and every deal the firm has done stays on shared record, so the whole team works from one shared context.

Owned assets tracked to what is due this week

Insurance renewals, utility accounts, contractor work, and pricing decisions on every property you hold surface on schedule, before the week they were due.

Build anything

We build whatever your operation needs.

Every system on this site started as one sentence from an operator describing the part of the job that eats the week. Write yours in the box below. Jake reads it himself and replies within one business day with what it would take to build.

Describe it in your words.

Plain language is enough. The more detail in the box, the more specific the reply.

The systems

What we would run in a distressed and foreclosure real estate operation.

Deep Brain

Everything the company knows, held in one private place the whole team can ask in plain language.

Every loan package, every valuation, and every deal your team has done stays on one shared record shaped by how your team underwrites, so the next file gets read against years of judgment already on file.

Deal Engine

A sales system that sources prospects, answers every lead in minutes, and works the follow-up until there is an answer.

Default and foreclosure lists get filtered and scored against your criteria continuously, so review goes to the properties worth opening.

Document Desk

Paperwork in, finished packets out, on deadline, with the trail intact.

Court documents get pulled automatically once a case number exists, and loan packages get read into the same underwriting summary your team already uses.

Two desks, one distressed pipeline.

Buying the loan and buying the house at auction are different businesses that share the same underwriting instinct. Each gets a separate build.

Non-performing loan buyers

The problem

Foreclosure and default lists arrive by the hundred, and a person filters them one property at a time before a deal ever reaches underwriting.
Court documents that would answer a question in an hour instead take a county-by-county research project.

What we build

Default and foreclosure lists filtered against your criteria automatically, court documents pulled by case number as soon as they exist, and every loan package landing in one underwriting record the whole team can query.

Foreclosure auction and flip

The problem

Auction purchases go to cash buyers with no inspection, so valuation, market condition, and crime and inventory data all have to be judged before the gavel, and the operations that follow, insurance, utilities, contractors, pricing, get tracked from memory.

What we build

A sourcing and diligence view for the properties coming to auction, and a decision center that surfaces what is due this week on every property already on your books, so nothing waits on someone remembering to check.

Get started

Interested in making your distressed or foreclosure real estate firm AI-native?

First name, last name, and a work email is all it takes. Jake reads every one of these himself and replies within one business day with what to automate first.

Send the details

First name, last name, and a work email. Jake replies within one business day.

Before you call

Three things you can check on us.

Risk

Seven-day money-back guarantee

Ask for your money back inside the first seven days of the build and you get it. After day seven the standard terms in your agreement resume.

Team

Engineering from Fortune 500 companies

The team includes former Fortune 500 developers, with prior experience at Microsoft, Morgan Stanley, NASA, T. Rowe Price, Perplexity, and Cognizant, and is drawn from Dartmouth, Brown, and Case Western Reserve. Read the roster.

Proof

We run Terso on the systems we sell

Our sales, research, and operations run on Deal Engine, Deep Brain, and Command Center every day. Ask on the call and we will show you ours running.

Where to start

See what this costs you before committing to anything.

Send the details of your distressed and foreclosure real estate operation and the reply comes back with the hours and the revenue currently going to the problems above, and which one to solve first.

A reply within one business day, written by Jake
The first build named, with the return it targets
No obligation to go further

Send the details

Name, email, and company. Jake reads these himself and replies within one business day.

Name

Work email

Company

Phone (optional)

Industry (optional)

What do you do, and what do you want automated the most? (optional)

Or .

A reply comes back from jake@tersoai.com within one business day. Details stay with Terso AI and are covered by the privacy policy.

Where it starts.

It starts with a free discovery call, then an audit that maps where the hours and the leads are going. The build starts with the highest-value piece, and we host, monitor, and keep improving the system from there.

Read how we work

Deal EngineA sales system that sources prospects, answers every lead in minutes, and works the follow-up until there is an answer.Deep BrainEverything the company knows, held in one private place the whole team can ask in plain language.Commercial real estateDeals scored against your own buy-box, with the source cited.

Common questions.

Is this the same as your commercial real estate page?

No. That page covers acquisitions, development, investment, and property management on stabilized assets, deals where you can walk the property and run a normal underwriting timeline. This one covers non-performing loans, foreclosure dockets, and auction purchases, where the source is a default list or a court filing and the clock is a lot shorter.

Do you pull documents in every county?

We scope it to the counties you actually buy in. Coverage and fees vary by county, so we confirm during the audit before promising a connection we have not built.

Does the system decide which loans or properties to bid on?

No. It filters, scores, and surfaces the record behind each score. The bid is always your call.

We have years of deal history. Can it learn from that?

Yes. Past deals, past underwriting, and past outcomes are exactly the kind of history that makes the next read faster and more specific to how your team actually underwrites.

Underwrite the ones worth the bid.

A free consultation walks through your sourcing and court-document flow and shows what to filter and pull automatically first.

Or send the details and we come to you.

Send the details instead

Name, email, and company. Jake replies within one business day.