Compute for each loan: 1) Initial Monthly Payment, 2) Nominal Interest Rate, 3) Effective Interest Rate - held to term, 4) Effective Interest Rate - held through holding period, 5) Loan Balance at end of holding period, 6) Annual holding costs, 7) Equity Return on Sale, 8) Internal Rate of Return on equity, 9) Gross Income Needed to Qualify for Loan?