NoteHarbor shows cashflow in a few places. Here's exactly what each number includes.
The Payments-page snapshot
- Collected This Month: dollars actually received on notes you hold (ASSET loans) this calendar month.
- Paid Out This Month: dollars you actually paid on loans you owe (LIABILITY loans) this month.
- Gross Cashflow: 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.
Gross vs. net
Gross cashflow is your loan-payment cashflow: principal + interest + escrow + any servicing fee, in minus out. Your net cashflow (after property costs like taxes, insurance, and repairs) is what the net cashflow chart and the wrap-structure cards on Reports show.
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 includes the recurring servicing fee, so it reflects the borrower's full minimum payment.
See The borrower servicing fee for how that fee rides along.