A borrower gets a fully amortizing 30-year, $150,000 adjustable rate mortgage with annual interest rate resets and monthly payments. The loan is priced a 2% above the 1-year Treasury rate and 2% discount points. It comes with no interest rate caps but includes a payment cap of 5% increase in any year with negative amortization permitted if the payment cap is reached. The initial interest rate on the loan is 7% and the index interest rate is forecasted at 7%, 8.5%, 9.5%, and 11% for the end of years 1 to 4, respectively. Compute the monthly payment amounts and year-end loan balances for the first 5 years. What will be the yield on the loan over that period?