I suspect the person on the phone was confused and you two had a communication breakdown.  5% is almost certainly the annual rate, but the payments are computed and must be paid monthly. 

Realtors who make it practice to go on a listing appointment and end up negotiating a deal to "buy" (wholesale) the property, I suspect will sooner or later wind up defending themselves in front of either their board disciplinary committee or the real estate commission.

I suspect like me she must have gotten the new I phone 6 the voice activated text and e mails are awesome its just like my old dictaphone only =cooler.

I'm not an economist....but suspect it is a function of supply of units to rent vs. demand.  

Just a guess, but I suspect it's going to take a couple years to recoup refi fees, and then you'll be near a point your ARM is going to adjust.

I suspect it is actually longer than 1 hour to baltimore.

I suspect you've looked at most of this and you're probably pretty sure what you want to do.

But in another of your posts, in this thread, you advocate doing it, so I suspect you know very what you mean by it:Try to plan brand activation event where you can introduce your product and services to your target customers.

I suspect he doesn't , which is where the problem occurs.  

I suspect it is a little more involved then that.