Small Balance Conventional Commercial Loan Analysis

[Ryan Agustin]

I'm looking at refinancing my property

I have the following proposed terms:

Loan Amount: $425K

Estimated Interest: 5.5%, 5 years fixed, then variable

Term: 30 Years

Amortization: 30 years

Max LTV/LTC: 75%

DSCR min: 80%

Prepay Penalty: 3-3-2-2-1%

Min Sponsor Net Worth: $425K

Min Sponsor Liquidity: $42,500 

Est Due Dilligence Escrow Requirement: $2,500-5K

Structuring/Origination Fee: 3 points

Could anyone help me with analyzing these terms? Or if you have an excel sheet that can calculate my payment schedule?  Also, I don't know what the prepay penalty numbers mean.