Wilson Properties is acquiring a $10 million apartment complex at a 6% cap rate. It is considering two bank financing options. One is an interest only mortgage loan of $7.5 million at 5.75% interest and due in five years. The second option is a $7 million mortgage loan at 4.75% interest, 25-year amortization and due in seven years. The company will invest the required equity and wants to maximize its initial return on equity. Which loan will best achieve this goal?