Can you explain how the got the last 4 rows of the table?

- Borrower's EBC- 10 Year Balloon

- Lender requires 12-month payment reserve

- Loan funding net of points, closing costs, and payment reserve

- Borrower's EBC- 10 Year Balloon

Purchase of Green Acres Apartments Purchase Price Loan Amount (20 yr. am | 5% int | 10 yr balloon) Monthly Payment Loan Funding net of discount point and closing costs Borrower's Effective Borrowing Cost 10 yr balloon Lender requires 12-month payment reserve Loan funding net of points, closing costs, and payment reserve Borrower's Effective Borrowing Cost -10 yr balloon $10,000,000 $7,000,000 -$46,196.90 $6,900,000 5.22% -$554,362.80 $6,345,637.20 6.50%