What does it mean to “be the bank”—and how is artificial intelligence changing mortgage-note investing?

Fred Moskowitz joins Dr. Wayne Pernell on One Sharp Sword to explain how his career in computer engineering and technology leadership led him into alternative investing. Fred breaks down mortgage notes, the difference between active investing and passive note funds, and the factors investors should understand, including risk tolerance, minimum investment requirements, liquidity, and time horizon.

You’ll also hear how Fred uses AI to speed due diligence, cash-flow modeling, forecasting, research, and the review of large loan pools. Just as important, he explains why AI output must be tested, manually verified, and kept under human oversight.

This episode is about more than investing. It is a practical conversation about adapting to fast-changing technology while protecting trust, accountability, and human connection. The core leadership lesson: use better tools, but keep relationships at the center.

You’ll learn:

• How mortgage-note investing differs from owning rental property
• When active or passive note investing may fit different time commitments
• Why liquidity and investment horizon matter
• Where AI adds speed—and where people must retain judgment
• How engineering-style testing can reveal faulty assumptions or outputs
• Why being a good human remains a competitive leadership advantage

Connect with Fred: FredMoskowitz.com • GiftFromFred.com

Book: The Little Green Book of Note Investing

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Fred Moskowitz's LinkedIn Page: linkedin.com/in/thefredmoskowitz