Also remember that you're not exchanging the amount you brought into Colombia but the amount your taking back to the US thats compounded at 30% clip.   

A lot can happen in months and those things will be compounded over the years.

I love compounding interest. : )

Note that the lower your personal expenses are, the easier this is to achieve, and this relationship compounds exponentially. 

Considering a refi sticks you back into the hole of compound interest, it's probably not going to be worth it because you'll be paying for that debt multiple times.

Cash flow from the deal pays back your policy loan (same as saving up for another deal) and you end up with more cash in the end than you would have had otherwise, plus you never interrupted the compounded return of the cash value even though you were using it to make deals.That's the one paragraph version of the infinite banking concept. 

The rules for engagement have been clearly stated, and anyone who spams  you loses their messaging privileges.

Most people dabble their way through life, never deciding to master anything in particular.Tony RobbinsLife, Power, FocusLife is a gift, and it offers us the privilege, opportunity, and responsibility to give something back by becoming more.Tony RobbinsLife, Give, GiftSetting goals is the first step in turning the invisible into the visible.Tony RobbinsMotivational, Step, GoalsOnly those who have learned the power of sincere and selfless contribution experience life's deepest joy: true fulfillment.Tony RobbinsInspirational, Life, PowerSuccessful people ask better questions, and as a result, they get better answers.Tony RobbinsSuccessful, Result, AskTo effectively communicate, we must realize that we are all different in the way we perceive the world and use this understanding as a guide to our communication with others.Tony RobbinsCommunication, Others, RealizeI challenge you to make your life a masterpiece.

You've already made a mistake by waiting, why compound it by 1) buying in a heavily saturated area with 2) a lot of restrictions, 3) with high interest rates (that will impact your cash flow heavily).....?

There is the other side to just compounding a good return after good return after good return versus trying to knock it out of the park every time and having one great return followed by a not so great one, followed by a loss...