Andy took out a one-year interest only loan of $10,000 at 9%. How much will it be if his final monthly payment must include the last interest payment and the loan balance?

. Kelly is thinking of buying two adjoining lots, assembling them, and then reselling the single lot for a profit. Lot 1 is priced at $30,000 and Lot 2 is priced at $55,000. A contractor estimates the cost to demolish the structures on the sites at $15,000 and Kelly's appraiser estimates the value of the combined lot at $115,000. If Kelly goes forward with this plan, what would Kelly's rate of return be?