20. Which of the following statements are TRUE? A. A leasehold mortgage loan will typically have a term that is shorter than the term of the lease. B. In occupation leases, a loan will be based on the increase in the market value created from a tenant improvement, not on the cost of the improvement itself. C. All tenant improvements will result in an increase in the market rent. D. A leasehold estate can only hold as a security for mortgage lending purposes if a profit rent exists. (1) All of the above (2) Only A, B, and D (3) Only C and D (4) Only A and B