Wrap and all-inclusive (AITD) structures have two sides: the note you collect and the loan(s) you keep paying underneath. NoteHarbor ties them together.
Link the wrap to its underlying loans
On the wrap (ASSET) note, link the underlying LIABILITY loans it wraps. With both sides connected, NoteHarbor understands the full structure rather than two unrelated loans.
See the spread
NoteHarbor shows the spread between what comes in on the wrap and what goes out on the underlying debt: the heart of why the structure makes money.
Combined amortization
The combined chart compares the wrap and its linked underlying loans over time. Recorded balances and the remaining schedule have different meanings: use the dated tooltips to inspect a month, and review the payment history for the corresponding activity.
An actual balance can remain flat between principal changes. A flat interval does not by itself mean a payment is missing. The underlying loan remains a separate record, and the chart does not change either loan's recorded amounts.
Wrap-portfolio cashflow
On /reports, the wrap-portfolio cashflow section rolls up the net across all your wrap structures, so you see the cumulative cashflow your wraps produce as a book. Escrow is held in trust, so it is left out of both the wrap payment in and the underlying payments out.
Manage wrap links from the Tax Tracking tab; linking is asset-only and audited.