NoteHarbor shows cashflow in a few places. Here's exactly what each number includes.
The Payments-page snapshot
- Collected This Month: payments received on notes you hold (ASSET loans) this calendar month, before returns or adjustments. Escrow applied to the balance is left out when it is recorded as an escrow application.
- Paid Out This Month: dollars you actually paid on loans you owe (LIABILITY loans) this month.
- Gross Cashflow: every payment recorded this month on notes you hold, minus every payment on loans you owe, including returns, adjustments, advances and escrow. Because it counts returns and adjustments, it can differ from Collected minus Paid Out. It's gross because it includes the escrow and servicing-fee portions of each payment and doesn't subtract property operating costs.
- Net Cashflow: the same payments in minus out, with the escrow portion taken out of both sides. Escrow is money held in trust for taxes and insurance, not your cash flow.
Gross vs. net
Gross cashflow is your loan-payment cashflow: principal + interest + escrow + any servicing fee, in minus out. Net cashflow leaves escrow out, because escrow is a pass-through held in trust for the borrower's taxes and insurance and is never your cash flow. Net is what the Net Cashflow card on Payments, the Net Cashflow card and wrap-structure cards on Reports, the property cashflow figures and the cash flow report all show. Net does not subtract property operating costs like repairs.
Scheduled vs. collected
The Payments snapshot is based on payments actually recorded this month. Reports and the in-app assistant also show scheduled monthly cashflow (what each active loan is contracted to pay), which counts principal and interest only (escrow is left out) plus the recurring servicing fee.
See The borrower servicing fee for how that fee rides along.