David is a nurse, he wants to buy an apartment near his sister. Apartments in her neighborhood cost around $120,000. The bank has approved him for a loan with an interest rate of 3.95%. David is a recent graduate and needs his monthly payment to be low, he can afford to pay about $550 a month. David plans to sell the apartment or refinance the loan within five years when he knows he will be earning more money. PLEASE HELP