The compound effect it will have on my net worth should be pretty phenomenal over the next 30-40 years.

That would mean that time, compound interest, and peak earning years are ahead of her. 

No rush to foreclose if we're thinking big picture... as long as appreciation rate outpaces the interest rate, I'll be made whole at some point (including all my back interest, which also compounds on the amount of back interest already tacked onto the loan balance). 

However, it requires payment process to start several days earlier as it can take 5 to 7 business days which is compounded if there are any holidays and and of course weekends.Another option I use is Zelle, similar to Cashapp but used with bank to bank.

A home that has the same dollar-cost now as it did 40 years ago has actually lost nearly 74% of its value (average 3.51% annual inflation compounding over 40 years....)   

Putting investing off in your earlier years is never justifiable from a mathmatical perspective because of compound interest.

I do understand the way money works, but would like to get a general idea of what a "go to" strategy would be for compoundable returns.What are your thoughts?

Let me throw a wrench in the equation: would you be willing to take a lower first year annual payment if the interest were compounding over the five years? 

The cash value is also invested so it will compound over the years as well. 

I am looking to diversify cash into real estate for the purpose of building long term equity (horizon 15 years) and generating dividends (rental income) that I can compound by reinvesting.Compared to most that are successful in this forum, I am a newbie, but my partners are either commercial builders or have personally bought sold at least 5 homes in the last 5 years.