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What is the before tax effective cost of funds for a $ 3 0 0 , 0 0 0 loan at 6 . 0 0

What is the before tax effective cost of funds for a $300,000 loan at 6.00 percent interest, with monthly payments amortized over 30 years if the lender charges 1 point at origination and the borrower will incur $6,100 in third party loan costs? Assume the loan is outstanding for the full loan term which is eight years.

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