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 book.
- At risk — money not yet lost but exposed: uncollected late charges still outstanding.
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.