Agree with phoenix.
Also,
Did this one more thing before heading out:
https://www.bankrate.com/mortgages/a...on-calculator/
Loan amount: $14,243,415
Loan term: 10 Years
Rate: 4%
Loan start date: Dec 2022 (just for this exercise not 2023)
Results I got:
Monthly payment: $144,208
Total Interest paid: $3,061,503
Total cost of loan paid: $17,304,918
Payoff date: Dec.2032