=== Reverse Calculation ===

Target Payoff: 3,774,876.79
Factor: 0.881584
Calculated Principal: 4,281,926.76
Actual Principal in DB: 6,397,076.00

Verification:
Using Principal 4,281,926.76 gives payoff: 3,774,876.79

=== Solution ===
For imported loans, use effective principal of: 4,279,824.45
Instead of requested_amount: 6,397,076.00
This represents the actual loan amount after the original lender's fees/charges