Then, reinvesting all the income that comes in for a compounding effect.

You made a mistake going in, don't compound the problem now.   

Granted that is compounded monthly, to make it a crude calculation you are netting 15 percent (20-5)I do a second calculation for the after refi cash on cash return to calculate that cash on cash but trying to keep it simple for you as mine differ slightly.

I'd not touch the ROTH because the effect of tax deferred compounding is quite powerful and often underrated.

Can the investment compound?  

The city had the chance to reinvest into itself recently and decided to overspend (and underfund) a baseball stadium downtown, the dumbest idea they could have possibly made and now compounded by closures thanks to Covid19.

It contains Low to no VOC”S (volatile organic compounds.)What this means is that there are no solvents, and it is safe to use without needing any special masks etc.

I know why white is used most times - its easy, simple and mudding compound doesn't stand out however, also looks simple and without depth in pictures and just basic.

Dividing your annual interest rate by 12 ignores what Einstein described as the most powerful force in the universe: compound interest!

This is only compounded by the approach your tenant is now taking with "safety issues" etc.Find an attorney experienced with evictions and get them going on this ASAP.