I sent spreadsheet. I actually get a slightly lower return...

I sent spreadsheet. I actually get a slightly lower return because I apply 8% dcf to analysis. Not sure this is valid but I get NPV of investing in the note, then work out by goal seek in spreadsheet what annualised rate of return is required to match the NPV rate. Probably overkill but I do this to all the notes I look at and I can work out what investment I need to get same NPV for amount invested if you see what I mean.....