4. You decide to invest $750,000 in a rental property today. You anticipate receiving monthly rental income of $3,500 for the next 15 years. At the end of the 15 years, you plan to sell the property, expecting it to appreciate at an annual rate of 4% with monthly compounding during this period. Calculate the rate of return on your investment over the 15-year period, taking into account both rental income and property appreciation.