NoteHarbor Help Center
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Find your way around
Getting started
Set up your account and add your first loan.
11 articlesOffice & team workspace
Channels, Tasks, NotePad, and the shared Calendar (included on every plan).
6 articlesLoans & payments
Create loans and record payments accurately.
47 articlesLease-options & rent-to-own
Lease-options, rent-to-own, and land contracts, and converting them to notes.
3 articlesEscrow & taxes
RESPA escrow analysis and tax tracking.
11 articlesForeclosure
Track cases and sync deadlines to your calendar.
9 articlesBorrower & lienholder portals
Give borrowers (and the investors who own your notes) a secure, revocable, read-only link.
5 articlesRentals (RentHarbor)
Manage units, tenancies, rent, and maintenance (the RentHarbor add-on).
8 articlesCredit reporting
Furnish payment history to the bureaus with Metro 2.
1 articleTeam & roles
Invite teammates and control what each can do.
5 articlesImporting your data
Move your loans over from other software.
2 articlesBilling & plans
Plans, per-loan fees, and white-label.
5 articlesPopular articles
Start with the essentials
- Getting started with NoteHarborCreate your organization, add your first loan, and invite your team.
- Your legal agreements & consentThe agreements you confirm when you create your company, and how to review them or change your marketing email preference later.
- Customizing your left menuHide the sidebar items you never use and reorder the rest, so the menu only shows what matters to your business.
- Creating a loanThe wizard: parties (borrower/lender), terms, rate structure (Fixed / Rate Rider / ARM), escrow, and the premature-submit guard.
- Day-count conventions (30/360 · Actual/365 · Actual/360)Pick how interest days are counted per loan, set an org-wide default in Settings, and understand what changing it does to the schedule.
- US Rule: interest-shortfall treatmentChoose per loan how a payment that doesn't cover the interest due is carried: on the installment (standard) or as a US-Rule interest deficiency paid first.
Every guide
Browse all articles
The complete help center, grouped by topic.
Getting started
- Getting started with NoteHarbor
- Your legal agreements & consent
- Customizing your left menu
- Note Bot
- Start your free trial (create your own account)
- Staying signed in & inactivity logout
- Appearance: Simple, Light & Dark themes
- Tools & calculators
- Collapsing the sidebar
- Search, sort, filter & bulk delete your lists
- Getting support & opening a ticket
Office & team workspace
Loans & payments
- Creating a loan
- Day-count conventions (30/360 · Actual/365 · Actual/360)
- US Rule: interest-shortfall treatment
- Balloon loans: schedule, notices & extensions
- Recording a payment
- The payment waterfall order (per loan)
- Investor payables: what you owe each lienholder
- AutoPay cascade: auto-paying the underlying loan
- Construction draws: the draw schedule, inspections & funding links
- The deposit register: deposit slips & batches
- Servicing-fee netting: your fee out of investor collections
- Daily disbursements: trial balance, checks, and fee sweeps
- Servicing companies & who each fee goes to
- Delinquency tracking & late-payment reminders
- Properties & multiple loans per property
- Tracking rental notes
- Wrap (AITD) tracking
- The Effort & Profit Leaks report
- Waiving a late fee
- Filtering the Payments feed by date
- Modifying a loan (recast, restructure, deferment, forbearance)
- Bank accounts: deposited-to & remit-from
- Subject-to loans & tracking the underlying login
- GPS pins for properties without a street address
- Sharing a note to an investor borrower
- Understanding your cashflow numbers
- The borrower servicing fee
- Why a payment fell behind & how it was applied
- Statements & payment receipts
- Payment coupon books
- The duplicate-borrower warning
- Round Up payments & the live loan summary
- Round up to a chosen amount (the manual billed payment)
- The Late Charges card: waive vs. defer
- The Fees & Suspense tab
- Partial payments & holding a payment in suspense
- Payment methods: Venmo, Cash App, Zelle, PayPal & more
- Late-payment color-coding on the Payments tab
- Assigning a borrower or lender to a loan
- Schedule tab totals: contractual vs. live
- The loan detail page: tabs, Records & Loan Notes
- Buying notes: recording a purchase and what it unlocks
- Portfolio statistics & the Yield Report
- Cash-flow projection
- Selling a note: the guided sale (total, partial, B-schedule)
- Print & compare: the printable schedule and the extra-payment what-if
- Helping a borrower in hardship: forbearance vs. deferral vs. modification
Lease-options & rent-to-own
Escrow & taxes
- Escrow analysis (RESPA)
- Form 1098 generation & automation
- Form 1099-INT for lienholders
- Forms 1099-A & 1099-C after foreclosure or debt cancellation
- AI-powered escrow analysis
- Tax tracker & CPA export
- Annual escrow adjustment & shortage notices
- Property-tax pay history
- Deleting an escrow transaction
- Capital Gains report (Schedule D) & the Ordinary Income statement
- Which year's IRS rules a form uses
Foreclosure
- Tracking foreclosure & calendar sync
- Foreclosure timeline, event files & close-out
- Delinquency letters: arrearage statement & demand/NOD letters
- Collections workbench: the aging queue, call outcomes & promises to pay
- Bankruptcy tracking: chapters, the proof-of-claim snapshot & resolutions
- County auto-fill on a foreclosure case
- Payoff statements & the Texas variant
- Full circle: convert foreclosed collateral to a rental
- State foreclosure timeline templates (Utah & Texas)
Borrower & lienholder portals
Rentals (RentHarbor)
Credit reporting
Team & roles
Importing your data
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