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You are applying for a mortgage loan to finance the acquisition of an existing office building. NOI in the first year of operations is expected to be $1,000,000. You acquisition capitalization rate is 6.00%. A lender is offering a fixed rate, permanent balloon mortgage with a 10-year term. The annual contract interest rate is 4.00% and the amortization period used for the calculation of monthly payments is 30 years. This lender requires a minimum debt coverage ratio (DCR) of 1.25. What is the largest mortgage the borrower can obtain that does not violate the required minimum DCR?

Assume you have taken out a balloon mortgage loan for $2,500,000 to finance the purchase of a commercial property. The loan has a term of 5 years, but amortizes over 25 years. Calculate the balloon payment at maturity (Year 5), rounded to the nearest dollar, if the (annual) interest rate on this loan is 4.5%.

In some states, a broker may act as an agent for both the seller and the buyer (i.e., have a fiduciary obligation to both). This type of agency is termed:

Which type of home mortgage lender/originator is most sensitive to “pipeline risk?”

What is the term for the absence of a regular rhythm, meaning that the heart rate is either too fast, too slow or just irregular? 

Which cells are responsible for blood clotting?

What term means surgical removal of the spleen?

A mother baby nurse is caring for a patient 6 hours postpartum. She responds to the patient’s complaints of increased bleeding to find the peri-pad completely saturated with large clots. The nurse assesses the patient’s fundus, finding it boggy and initiates uterine massage. After calling for help, the nurse should initiate which of the following actions for this client? Select all that apply.

An elderly woman found with a head injury on the floor of her home is subsequently admitted to the neurologic ICU. What is the best rationale for the following health care provider orders: elevate the HOB; keep the head in neutral alignment with no neck flexion or head rotation; avoid sharp hip flexion?

The nurse is assessing the motor and sensory function of an unconscious client who sustained a head injury. The nurse should use which technique to test the client’s peripheral response to pain?