You have found a vacation home at the Rim Golf Club in Payson for sale. You think it would make an excellent investment opportunity as a short$-$term rental property for people from Phoenix looking to get out of the summer heat. The home is $$450,000$ and you would finance it with an $80\%$ loan$-$to$-$value loan. Your mortgage lender has told you that you can borrow for $30$ years at $4\mathrm{.}25\%,$ but you would have to pay $2$ points to get that loan. Based on these terms, what is the effective interest cost?