Is there a way to create a TIL with a 5 year interest only payment with an annual principle reduction payment built in. Our loan platform software will not calculate this structure and it gives me a warning that it isn't allowed. Have any compliance officers had a similar situation and found a way to disclose this type of payment stream? Any help or suggestions would be appreciated!

If this is one-of-a-kind, use Excel to calculate the dollars and APRWIN to get the APR. It this will be a standard product, contact your loan platform software provider & work something out.