The mortgage constant is:
(756.23*12)/95,000 = 0.09552
would this help you find the rate of return?
im not sure but im thinking like this
mothly payments of 756.23
in one year the guy will pay that times 12 which is 9074.76
in 30 years, when the mortgage is done he will have paid that times 30, or 272242.8
now, how much money did the lender make total?
the amount he got back minus the amount he lent, or 272242.8 - 95000, i.e. 177242.8.
now, that was the profit over 30 years, so how much was the profit, or "return," per year?
that divided by 30, i.e. $5908.09/year
i dont know if that is the right way to do it or the answer, but at least it sounds plausible to me
PS: If you're thinking about taking this deal, dont, you will be paying over twice, in fact almost 3 times, the actual value of the loan at the end.