Assume that you can invest $$50,000$ for one year in a project that is expected to have a $20\%$ profit. You can borrow money at a $12$ percent $(12\%)$ interest rate. If you borrow $$40,000$ and invest $$10,000$ of your own money, what will your rate of return be if things go as expected? Considering the information in the question above, what would be your rate of return on your investment if the project winds up with a $15\%$ loss instead of a $20\%$ profit?