You are borrowing $$5,000,000$ at $5\mathrm{.}875\%,$ monthly pay that fully amortizes over $30$ years. You are also required to pay two points to secure the financing. Assume that you will also sell the building at the end of year $5,$ what is the annual effective interest rate that the firm earned over the $5$ years. $($Hint: Solve for rate given all of the outflows and inflows the lender will receive over the $5$ years$)$