Based on where equities are and where the bond market are, you're going to have one hell of a hard time trying to get 5% return on the loans they're handing out

Based on where equities are and where the bond market are, you're going to have one hell of a hard time trying to get 5% return on the loans they're handing out. Take a look at some of the projections on 10 year returns for equities and bond market. The 2018 Vanguard report shows equities will return 3% real return over the next 10 years, and there are many estimates lower than that. Bond prices are also at all time highs. I wouldn't even take this loan if it were 2%.