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8. Sam bought a house that costs $500,000. Sam got a 96% LTV loan. The lender demanded that Sam buy private mortgage insurance to insure the portion of the loan over 75% LTV Suppose 5 years later, Sam's mortgage balance is $400,000. However Sam defaults and his house sells for $220,000 in a foreclosure auction. How much will the mortgage insurance company pay Sam's lender? 9. Tom paid $17k in mortgage interest and $8k in property taxes last year. His average tax rate is 21.5%, his marginal tax rate is 28% Compute Tom's tax shield from the mortgage interest and property tax deduction