Buying a note in the middle of a trial payment plan

[Michael Vaughn]

I'm currently in the due diligence of a note, perceived as non performing but as I started to inspect the file I have noticed the current loan services company has reached a 3 payments trial payment plan agreement with the borrower, and two payment has already been done. Servicing comments shows 3 trial payment, with the offered plan is 25 years at a certain rate, and an estimated UPB.

My question is, are the 3 payments part of the 25 year new loan or not? Is it going to be 297 payments left after he (the borrower) completes the trial or 300? UPB listed by in the plan is said to be estimated and If i calculate what UPB I get from either 297 or 300 payments, given the payment and rate, both numbers are close (300$ difference). I wanna make I don't leave money on the table plus I am not breaking a rules.