You currently pay $$10,000$ per year in rent for a $$100,000$ house, which you are considering purchasing. You can qualify for a loan of $$80,000$ at $9\%$ annual interest if you put $$20,000$ down on the house. To raise money for the down payment, you would have to liquidate stock earning a $15\%$ return. For simplicity, neglect all other concerns, like closing costs, capital gains, taxes, etc. Thus, considering only the information given, the opportunity cost of owning the home in the first year is $