My SPS vs NoteHarbor Deal Stack

My SPS mobile app is a fast, secure way to manage your mortgage account 24/7. Make payments, set up and make changes to monthly auto draft, view statements, and review escrow information. *If you have already created a user name and password on spservicing.com, just skip the registration process and login with your online username and password. Features: • Manage your account and make your mortgage payment 24/7 on the go • Access the Information HUB for answers to your most common account questions • Set up or modify existing auto draft payments • Quickly access your account with touch ID or face ID for eligible devices • Review balances and activity • Upload documents for your account • View monthly statements and letters

NoteHarbor Deal Stack is an offline creative finance calculator for real estate investors, seller finance professionals, and deal analysts. Six deal structures, one projection engine: • Subject To: analyze the existing loan, optional seller carry, cash to control, and operating return. • Wrap and AITD: project the wrap and underlying loan together, including the changing equity spread and balloon warnings. • Rental: model NOI, cash flow, cap rate, cash on cash return, and DSCR. • BRRRR: see refinance proceeds, cash left in, and stabilized returns. • Fix and Flip: calculate profit, ROI, holding interest, and maximum allowable offer. • Wholesale Assignment: solve the assignment fee forward or work backward from the buyer numbers. Every result includes a clear headline, plain language context, and shareable output. The free tier includes all six structures and the signature wrap dual amortization chart. Deal Stack Pro adds larger capital stacks, mid-deal events, full timelines, Exit Lab IRR analysis, exact reverse solves, exports, and no ads. The engine uses integer cents, standard statement rounding, financing-free NOI, and shape-based balloon detection. There are no accounts and no login. Deal inputs and saved deals remain on your device. The free mobile tier is ad supported. Deal Stack Pro is a one time $6.99 purchase. When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.