Carlos has decided to move out of his apartment and purchase a home. After careful consideration, he has determined that he could afford a monthly mortgage payment of $650. His bank is currently offering a 30-year mortgage at a fixed rate of 5.15%. If we assume that Carlos can make the necessary down payment from his savings and his credit rating is excellent, which of the following Excel commands could be used to determine how much money Carlos would be allowed to borrow? (Choose all that apply!)

A. =PV(5.15/12,12*30,-650)

B. =PV(0.052/12,360,-650)

C. =PV(0.052/12,30*12,-$650)

D. =PV(5.15%/12,12*30,-650)

E. =PV(5.15,30,-$650)