The use of leverage shifts the total return on property...

Group of answer choices

from the capital appreciation component to the income component, because both the bank and the borrower benefit from any increases in the property value.

from the capital appreciation component to the income component, because the borrower is the sole beneficiary of any increases in the property value.

from the income component to the capital appreciation component, because both the bank and the borrower benefit from any increase in the property value.

from the income component to the capital appreciation component, because the borrower is the sole beneficiary of any increases in the property value.