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). 

The most common thing to look for is cracking in the concrete wall (cracks often time are just settling and are not major) bowing in the retaining walls, and sagging in the ceiling joists.

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.

@Anastasia Jordan bow much land are you looking to find I jn ok w of a few lots close by that have great potential profitability

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.