Looking for potential trust deed investments in the classified ads you stumble upon the following listing on Craigslist:

$100,000 2nd Trust Deed for Sale

Original Loan Amount: $100,000

Original Interest Rate: 10%

Original Loan Term: 10 years

Monthly Payment: $900.00

Number of payments remaining: 52

Existing 1^st Trust Deed = $350,000

Market Value of Property = $700,000

Question: Assume the seller accepts your offer... what rate of return would you receive if the loan was prepaid by the borrower 10 months after you purchased it.