Abstract: Systems, methods, and computer-readable storage media for issue spotting in legal cases, and more specifically to training and using an Artificial Intelligence (AI) model to identify possible causes of action in a legal dispute. A system can receive a plurality of cause of action models, and tune an existing AI model using the plurality of action models, resulting in a tuned AI model. The system can then convert the tuned AI model into an AI algorithm, where inputs to the AI algorithm include a jurisdiction and at least one piece of dispute information associated with the dispute, and outputs of the AI algorithm include a cause of action for the dispute and elements of the cause of action.

Abstract: A novel system and method for determining a qualified loan applicant is disclosed. In one embodiment, applicant information and potential first liens are compared to determine candidate first liens based on applicant information. Debt-to-income ratio requirement information associated with the candidate first liens is stored. Candidate second liens associated with the candidate first liens are determined, and the debt-to-income ratio of the combination of the candidate first and second liens is determined. Qualifying combinations are determined by comparing the debt-to-income ratio to the stored debt-to-income ratio requirement. In another embodiment, candidate first liens are organized by common characteristics and outputted with associated second liens. Other embodiments, such as optimizations on the system and method, are disclosed herein.