If I buy an apartment for $1,000,000 and pay 40% down payment and the balance is a loan from the bank. If I take a 15-year loan and my loan payments which include principal and interest payments are equal to my cash flow (rent minus expenses), i.e. every year I make no cash flows. If at the end of 15 years, I sell the apartment for $600,000 do I make/lose money and if yes, how much?