An apartment complex is worth $2,000,000. Look up the 15 year rate in the WSJ. If 10% of the value is put down, what would be the monthly payment? Use the S&P/Case-Shiller 20-City Composite Home Price Index (SPCS20RSA) data for the last 3 years to calculate the value of the property over the first 36 months. If the owners sell the property after the 36th payment, determine the NPV of the investment assuming a discount rate (cost of capital) of 4% a year. (remember you are looking to create a column of data that represents all the inflows and outflows over the 36 months).