. - Inefficiency with payouts and administration will be compounded as the FAIR Plan has zero experience with a major pay out and lack infrastructure of assessors and technology to distribute the funds they don’t have.

In Canada, notes for fixed-rate mortgages are compounded semi-annually, not in advance while an LoC will be compounded monthly (at best) or daily (at worst) with reality being something in the middle (i.e. compounded monthly based upon daily average, highest amount, etc). 

Quote from @Dustin Calgaro: Man I really screwed that math up, I didn’t compound the appreciation.

My Question is if i have a private investor loan me $70K for 5-7 years (his terms) at 12-15% (not compounded).

No it does not compound like that 

(if this makes no sense to you, research the 80's)Yes, fundamentals apply like compounding returns, proper use of leverage, appreciating assets etc etc, but the specific's of the how-to's, the "plays" one runs, how you play the game, it's a different game than '19'. 

The whole point of having chemicals (and yes, salt is a chemical compound) is to mitigate bacteria growth, it's science. 

(a) market price appreciates at a compounding rate AND so does (b) rents appreciate at a compounding rate.   

And YES, far FAR too often I am seeing people stack up UN-realized expenses at a compounding rate, to give selves a false sense of "profit" on whatever monthly/quarterly capital there moving around. 

It is amazing how many times I have seen the cash flow represented as rent - PITI and to compound the issue they did not realize the ADU would increase their property tax.