THE MORTGAGE NOTE INVESTOR - COMPANION FILES
julianrsterling.com/notes

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Revised 24 September 2026.

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WHAT IS IN THE ARCHIVE

1. The book's two workbooks, rechecked
   Mesquite_Lane_and_Oriole_Court.xlsx     Part I, Chapters 2 to 5 (32 checks)
   Harlow_Street_and_Calloway_Tape.xlsx    Parts II and III, Chapters 6 to 15 (96 checks)
   00_START_HERE.md                        what each sheet does; what changed is at the end
   Every figure the book prints was recomputed independently: none changed.

2. Blank_Model_Set/  (new)
   Mesquite_Lane_and_Oriole_Court_Blank.xlsx   your performing note, and a small one
   Harlow_Street_and_Calloway_Tape_Blank.xlsx  your non-performing loan and your tape,
                                               filled loan by loan
   Every blue input is empty. The Check sheets count what is still missing and test
   what holds for any inputs. The book's inputs are in book_inputs.txt.

3. Working_Documents.pdf  (new)
   Thirteen printable pages: the listing, pricing a performing note, the speed
   test, costs and the minimum ticket, the default overlay, total debt and the
   ways out, the timeline and the thresholds, the floor and the paths, the
   modification, the deed in lieu and the REO, second liens, the tape and the
   bid, and the checks before you wire the money. A4, fits Letter.

4. Forty_Questions.xlsx  (new)
   Forty questions across the book, marked by the file as you type.

5. Cases/  (new)
   Case_1_The_Smallest_Note_Your_Costs_Can_Carry.xlsx      Chapter 4
   Case_2_The_Rate_That_Leaves_The_Family_Nothing.xlsx     Chapter 9
   Case_3_The_Split_That_Only_Works_On_Time.xlsx           Chapter 15
   Each case: the note on the first sheet, the model after it, checks at the end.
   Figures the book does not give are marked ADDED.

Amounts are in dollars. Every yield and IRR is an annual rate compounded monthly.
The files open in Excel, LibreOffice Calc, Google Sheets and Numbers. No macros.
The deals are fictional teaching cases; nothing here is investment, legal or tax advice.
