You decide to purchase a struggling retail center for $850,000. You are able to finance the purchase at a 70% Loan to Cost, with a 6.5% annual interest rate (paid monthly) over a 25-year amortization period. The property is expected to produce the following net cash flows (NOI) over the next five years. In which year will your investment receive its first positive cash on cash return? Year 4 Year 3 Year 5 Year 2 Year 1