An investor buys a condo for $160,000 by putting 10% down and financing the rest using the 15 year fixed rate in the WSJ. What are her monthly payments? Another investor decides to use an interest only loan to finance the same type of condo, the rate is 3.5% a year, what are the monthly payments? Three years later the condo is worth $170,000, what will be the return on the investment for each investor?