Here's the new loan structure from Mark and Ann.

Hi Robert, following is the loan structure that would work for us, hope you like it.

   First: It has been established that after the various payments of recaptured interest on outstanding ballance we restarted our loan payments in 08/18 of $444.07 pm a then ballance of $10122.32.including a lump sum at the end for a term to last 18 months.

    Second: after two payments of 444.07 of which the combined principal ammounted to $805.48 and a surprise lump payment of $6000.00 (of which the principle ammounted to $5961.18, we have now arrived at a ballance due on this date1/23/19 (after subtracting the principle payments only), of $3,234.18.

    I have consequently restructured the loan to fall within the earlier presribed 18 months (now 13 mos.). The first 12 months will be with principle and interest: $191.26 beginning on feb 23rd. and proceeding at the same ammt. monthly, untill Feb. 23 2020, then March 23 of 2020 the last month of the pre arranged term, a lump of $1050.00 (which ammounts to $1000 prin. and $50.00 in interest).  Below is the sched. n/i the final lump.

    How does that work for you? Let me know, otherwise I'll go forward on that assumption. All Gods best to you.
Sincerely, Mark