Commercial Loan Number Help

[John Matthew Johnston]

Hi I am new to commercial loans and I was wondering if i could get some help telling me if these numbers look ok. A little background, we went the commercial route because we are running into DTI issues.

THE NUMBERS:

LOAN 1

Amount $100,000

20 year loan

Rate 4.89

Monthly Payment- $654 + Taxes and Insurance

Four 5 year arms that will be reassessed at 3.5 above FHLB

2% Prepayment penalty if we ever REFI

Loan 2

Amount 61,000

20 year loan

Rate 4.89

Monthly Payment $402 +Taxes and Insurance

Four 5 year arms that will be reassessed at 3.5 above FHLB

2% prepayment penalty if we ever REFI