The two principal types of REITs are equity trusts, which $\_\_\_\_\_\_\_\_\_\_$blank$\_,$ and mortgage trusts, which $\_\_\_\_\_\_\_\_\_\_$blank.

Multiple Choice

invest in mortgage and construction loans; invest directly in real estate

invest directly in real estate; invest in mortgage and construction loans

distribute less than $95\%$ of income to shareholders; use extensive leverage

use extensive leverage; distribute less than $95\%$ of income to shareholders