Suppose you are offered an investment opportunity that will pay you $5352.41 per month for 48 months. To make this investment, you must invest a total of $175000, but only $17500 is in cash at the start. You must borrow the rest of the investment ($157500) from Lo-Rate Bank at 18% APR, with monthly compounding, and the entire loan must be repaid at the end of the 48 months in one lump sum, which will total $321847.83. To be clear, absolutely NO repayment of the loan before the end of the 48 months is allowed. This investment is completely riskless and there are no taxes. What is the minimum APY you would need to be able to earn from reinvesting all the monthly income to make this a zero-NPV investment? (Percent with 2 decimals.)