A small retail center off I$10$ in Houston will cost $$3,500,000($land and construction$).$ Although construction will take a year, estimates suggest the owners can sell the center for $$2\mathrm{.}5$M just $10$ years after breaking ground. The center will have ten $(10)$ tenants that each pay a monthly rent of $$1500$; to reserve their spot in the center, the tenants will have to pay beginning at ground breaking. Your financial advisor says an S&P $500$ Index Fund historically returns $6\mathrm{.}5\%$ over a decade period. Find the expected rate of return for the retail center, and recommend whether to put your money into the retail center or an S&P $500$ fund.