It is further compounded by the fact that when you do finally increase rents, it needs to be a big increase.

The interest rate you speak of a compounded cost and the CoCR is a simple interest applied to one year.Once again, percentages rear their ugly head and lie to us.

I can't think of any savings account that would guarantee 4% compounding growth, and for what it's worth, banks hold more Life Insurance than any other person or institution for similar occasions as the one you're asking about.

As I explore my core 4 and look into different markets I am contemplating on a couple different places where the entry level is more do able to compound a strategy, and implement the notorious BRRR.

Going from $0 - $25K interest is neutralGoing from $25K - $100K you have a few exceptionally high leverage and powerful options (house-hack, job switch, side hustle, etc.)Going from $100K - $1M, you have compounding and CAGR on your side. 

Since this is a second home/vacation rental, it wouldn't make since to have multiple properties in the same destination (ex. not owning 3 properties in broken bow), don't the 10 properties need to be spread out? 

I would be willing to bet you will make more off this real estate deal in 30 years than you would in stocks with the compound effect.  

I just bought a 30 year old house on a concrete foundation where the second story floor seems to have some bowing/sagging in a couple of spots.

In the midwest we have a ton of bowed basement walls and it actually usually is a pretty easy fix and warrantied if it is a block foundation.

Thus, in order to make up ground lost to compounding, you have to take bigger risks or be satisfied with smaller returns.