One investing firm is assessing an opportunity of a real estate investment. The project requires 4.5 million CAD at the beginning of the first year to start up the first complex and 1.6 million CAD at the beginning of the second year to start the second complex. Upon completion in two years, a hotel industry customer would purchase the whole project for 8.7 million CAD. If the average secure interest rate from a bank is 4%, determine the return rate of the investment. (40 Marks)