Hi, could you please help me to answer number 11 and 14 please expline how to get the answer

Analysis of a subject pro forma reveals that its fifth year net operating income projected to be $100,282 assume that this cash flow occurs at the end of the year) If you estimate the projected rental growth rate for the property to be 396 per year and the going out capitalization rate in year five to be determine the net sale proceeds the current owner of the property would receive were to sell the property at the end of year five and incur selling expenses that amounted to $58,300. A, $944,520.00 B $974,610.00 C 1,002,820.00 D, $1,032,910.00 12. Because the mortgage conveys a complex claim for a long period of time, clauses are included in anticipation of possible future complications. Which of the following clauses requires a borrower to make deposits into an account in order to pay obligations such as property taxes, community association fees, or causality insurance premiums? A. Demand clause B. Insurance clause C. Escrow clause D Exculpatory clause 13. A conventional mortgage loan is one that is not insured or guaranteed by an agency of the US government. The lender, however, can still pursue a private mortgage insurance (PM) policy to provide a guarantee for the fulfillment of the borrower's obligations. Typically PMI is required for all loans that have a loan to value (LTvy ratio greater than: A. 2096 B. 4096 C 6096 D. 80% 14. Given the following information, calculate the Effective Borrowing Cost (EBC). Loan $175,000, 30 years, Interest rate: 7 Payment: $1,164.28, Discount points: 1,0rigination fee: $3,250. Assume the loan is held until the end of year 10 15 you have taken out a lly loan that has term of 15 years an interest fixed rate mortgage and payment, a rate of After your first mortgage much of the original loan balance 6%. how is remaini