Hi can you please show me to solve this with steps thank you

17. Commercial Mortgage Ann buys a property that costs $2,500,000. She finances the purchase with a 70% LTV mortgage. She gets a 20 year fully amortizing fixed rate mortgage at an annual interest rate of 5%, with annual compounding and annual payments. Ann must pay 2 points upfront in mortgage closing costs (as a % of the loan amount). If Ann prepays in the first five years, she must pay a prepayment penalty with a declining structure 5/4/3/2/1 (for example, if Ann prepays in the second year she must pay a 4% penalty). Suppose Ann will sell the property in 3 years, after her 3rd year's mortgage payment and pay off the balance when she sells. Find the IRR of Ann's mortgage