3) You are going to invest $200,000 on a project, which returns 4% after a year. However, you only own $150,000. Therefore, you borrow $50,000 from a bank with 2% interest. Then, you invest $200,000 on that project. How much is your ROI for a year? 4) You purchase an apartment for $600,000; 30% down payment and 70% mortgage with 3% annual interest rate. You rent the place for $2,500 per month. Your monthly expenses are strata fee: $360, repair and maintenance: $140, Insurance: $100. You also pay $1,700 for one-year property tax. How much is the ROI for your investment? 5) You are planning to buy a kitchen equipment for your business which costs $140,000. Equipment has 8 years useful life and residual value of $10,000 at the end of its life. You estimate that investment will save you $30,000 every year for 8 years. How much is the NPV of that investment, if your expected rate of return is 10%