Suppose that an apartment complex is available for purchase at $69,758. However, this apartment is expected to generate $23,000 per year for the next 4 years at the end of each year, but at the end of the year 5 years from now you expect cash flows to equal $165,000. Suppose that you as the investor, have a discount rate of 5.5%. Compute the net-present value of this investment opportunity.