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.