Calculate the true cost of borrowing (as a %) under the following set of assumptions: i. $7.5 million loan amount ii. Interest rate of 8.5% iii. 20 year amortization iv. Expected repayment after 19 months v. 1.5 (one-and-a-half) points charged at origination vi. Prepayment penalty based on a 6-4-2-1 schedule