Calculate the first year Before Tax Cash Flow $($BTCF$)$ using the following information:

First year NOI: $$89,100$

Price of the property: $$1,056,000$

Mortgage terms: Loan to value ratio $=75\%,30$ year term, $6\mathrm{.}5\%$ contract rate, up$-$front fees of $3\%$ of loan amourit $($assume monthly payment and monthly compounding$)$