Abstract: Automatic landlord systems, methods and computer program products for settling debtors' debts following termination or end of a property contract are provided. The systems, methods and computer products interface with the landlord to update a debtor's database, collect in a debtor database various data and conditions relating to the debt of each debtor, and negotiate the debt payment by automatically issuing settlement proposals based on the data, receiving debtors' responses and analyzing them to determine agreements and refusals, the former handled by issuing a release document and the latter by further negotiations or by 3rd party collection. The negotiation may be carried out by generative artificial intelligence (GenAI) algorithms implementing multiple agents to represent multiple sides in the process (communication analysis, market analysis, collection, owners, debtors and negotiations strategies) and thereby optimize the debt collection process.

Abstract: Property managing firm's systems, methods and computer program products are provided, for automatically renewing property lease contracts. Ranking of tenants, units and applicants are derived and ranked with respect to all available information, and multiple models are implemented to derive the tenant likelihood of renewal and an unbiased tenant score; and a market estimator model estimating market demand. A determination unit is configured to integrate the derived parameters to order tenants and applicants by their quality scores and a contract generator engages the prospective new tenants.