Suppose you are buying a house for $500,000 with 20% downpayment. The remaining 80% is financed with a loan. Your bank is offering an interest-only loan (as shown in the video) for 4.5% annual rate.

If the house value falls to $485,000 one year after your purchased, How much is the return on your investment? Enter your answer in the following format: -0.1234;

Hint #1: Answer is between -0.2838 and -0.3795