Some loans quietly cost more to service than they earn. The Effort & Profit Leaks section on Reports finds them for you.
What it shows
- Loans ranked by servicing effort: the notes generating the most manual work (chasing payments, waiving fees, foreclosure activity), highest-effort first, each with an effort badge. The top loans are listed; the rest collapse into a "+N more" note.
- Profit leaked: money that's already gone, waived late fees plus foreclosure costs, totaled across the notes you hold.
- At risk: money not yet lost but exposed, uncollected late charges still outstanding on notes you hold.
Where the numbers come from
The analysis is fully deterministic, no AI, computed from records the app already stores: your payments, late charges, waivers, and foreclosure events. Nothing is estimated or scored by a model, so every dollar traces back to a row you can open.
What to do with it
Use the ranking as a triage list: a chronically high-effort loan may be a candidate for tightening grace terms, a modification, passing servicing costs through as a borrower servicing fee, or (on the asset side) selling the note.
It's included free on every plan, right on the Reports page. See also Understanding your cashflow numbers.