Mortgage note analysis tool for real estate note buyers

Analyze mortgage note deals
before you buy

A pre-purchase analysis tool for real estate note buyers reviewing PN Senior, PN Junior, and performing note deals — with seller list import, side-by-side comparison, exit scenarios, and PDF reports.

Start with 3 deals — $49 See how it works
140+ Deals from one tape import
5 min Decision vs 3-day spreadsheet
100% Offline — your data never leaves
Yield at price· IRR calculation· LTV analysis· UPB discount· PN Senior analysis· PN Junior analysis· Paperstac import· JKP import· PDF export· Side-by-side compare· Net monthly cashflow· Exit scenarios· Breakeven analysis· Scorecard· Deal Flow & Import· Yield at price· IRR calculation· LTV analysis· UPB discount· PN Senior analysis· PN Junior analysis· Paperstac import· JKP import· PDF export· Side-by-side compare· Net monthly cashflow· Exit scenarios· Breakeven analysis· Scorecard· Deal Flow & Import·

Why it works

The seller said 14%.
The math said 7%.

Coupon rate is not yield. LTV is not the whole story. Note Deal Analyzer shows you what the numbers actually say — before you wire the money.

Real IRR, not coupon rate

See your actual return at purchase price — cashflow, UPB discount, exit scenarios — not the number the seller wants you to see.

Senior & Junior in one workflow

PN Senior and PN Junior analyzed separately with their own risk logic, combined lien view, and side-by-side scorecard.

100+ deals from one import

Import a Paperstac or JKP seller list, filter candidates, move selected deals into analysis. No copy-paste, no row 12 bottleneck.

Clean PDF before every offer

Export a structured report with yield, risk, and exit scenarios. Know your number — and document it — before you make the call.

Live deal comparison

Deal A — TX PN Senior 1st Strong
16.1%
Est. IRR
6.4%
LTV
$587
Net / mo
Deal B — FL PN Senior 1st Fair
7.2%
Est. IRR
28%
LTV
$312
Net / mo

Deal B has lower LTV — but IRR is less than half. The seller's "14% note" returns 7.2% at their asking price. Note Deal Analyzer shows this in seconds.

What's inside

Four modules.
One complete pre-purchase workflow.

Built for real estate note buyers reviewing performing mortgage notes before purchase. Every module maps directly to how PN Senior and PN Junior deals are sourced, analyzed, compared, and documented.

01

PN Senior Mortgage Note Analysis

First-lien performing note analysis: cashflow, yield, IRR, UPB discount, LTV, exit scenarios, and PDF reporting. Complete history per deal with Save/Load and Backup/Restore.

Available now
02

PN Junior / Second-Lien Note Analysis

Second-lien note analysis with Preliminary and Full workflows. Senior lien assumptions, combined risk view, junior cashflow, junior IRR, warnings, exit scenarios, and PDF reports.

Available now
03

Deal Flow & Import

Import Paperstac and JKP seller lists. Filter opportunities, review top candidates, move selected deals into All Deals, and open them directly in the calculator. Turn 140 rows into a focused shortlist in minutes.

Available now
04

Compare & Reports

Compare multiple deals side by side, review scorecards with yield and risk breakdown, and export clean PDF reports before making offers. Included in beta evaluation deal packs.

Available now

NPN analysis, Portfolio management, and Court/legal workflow tracking are planned for a future version and are not included in the current product.

Beta Evaluation Access

Start with real deals.
No monthly commitment yet.

Try Note Deal Analyzer on real mortgage note deals before choosing a full license. All current PN Senior, PN Junior, Deal Center, Import Preview, Compare, Exit Scenario, and PDF reporting tools are included. Access is limited by deal credits, not by hidden features.

1 Deal Test
$19 one-time
Quick first test

For a simple first run on one real note deal. Check the PN Senior / PN Junior workflow, review the output, and see if the tool fits your process.

  • 1 deal credit
  • PN Senior + PN Junior analysis
  • Exit scenarios
  • Compare / Scorecard
  • PDF report
  • Paperstac / JKP import preview
Start with 1 Deal
Recommended
3 Deal Evaluation
$49 one-time
Best starting point

Analyze three real mortgage note deals and see how the full pre-purchase workflow fits your deal review process.

  • 3 deal credits
  • Full PN Senior workflow
  • Full PN Junior workflow
  • Exit scenarios + IRR review
  • Compare / Scorecard
  • PDF reports
Try 3 Deals — $49
Best Value
5 Deal Beta Pack
$75 one-time
$15 per deal credit

For note buyers who want to test several PN Senior / PN Junior opportunities and compare candidates before making offers.

  • 5 deal credits
  • PN Senior + PN Junior analysis
  • Paperstac / JKP import preview
  • Deal Center workflow
  • Compare / Scorecard
  • PDF reports
Get 5 Deal Credits
10 Deal Beta Pack
$149 one-time
For larger review sessions

For serious review of a larger seller list or multiple note candidates. Useful when screening a batch before narrowing to your shortlist.

  • 10 deal credits
  • PN Senior + PN Junior workflow
  • Seller list import preview
  • All Deals / Deal Center
  • Compare / Scorecard
  • PDF reports
Review 10 Deals

Beta pricing is offered to early users who are willing to share feedback. Early users may receive discounted future access when full monthly plans are released.

One deal credit = one unique deal saved, exported, or kept in History. Loading a seller list for preview does not count as a deal credit. Questions? Contact us.

The story

Built by an investor,
for investors

I closed on my first note deal — a land-backed senior note at a 60% discount. The deal was a win. The analysis process was a nightmare.

I spent weeks in spreadsheets, comparing performing notes one by one. Every new tape meant starting over. I was tired of second-guessing whether an 11% UPB in one market beat 15% in another once you factor in servicing, state timelines, and LTV reality.

So I built a tool for my own company — SunShineson Finance. It turned a 3-day analysis grind into a 5-minute decision. Now I'm making it available to other note buyers.

— Erikas, founder · SunShineson Finance LLC · Delaware, USA

Important notice: Note Deal Analyzer is an analysis and workflow tool only. It does not provide legal advice, investment advice, or financial advice. All calculations are estimates based on inputs you provide. Note Deal Analyzer does not guarantee any return, yield, or outcome on any note investment. Always consult a qualified attorney, CPA, or licensed investment advisor before making any investment decision. NPN analysis, Portfolio management, and Court/legal workflow tracking are not included in the current version.

Contact

Questions before you buy?

Real person behind the product. Ask questions before you buy.

info@sunfin.us Request Beta Evaluation