Charles, I have a Focusrite Scarlett audio interface. Here's how I do it.
1. Track you're going to record on, all set up, receiving the direct input from your microphone. Input echo is on. Routes to a preferred bus you have.
2. Extra bus set up (I call it Live Monitor). On this bus add a reverb effect. Since it's on a bus, set the reverb effect to fully wet.
3. Add a Send from your track that you're recording on to that Live Monitor bus, and add in Send volume to suit your needs.
This works fine for recording/tracking.
On playback turn off the Send to the Live Monitor bus to hear how it sounds with your regular track mix. You don't need input echo actually for that track at that point either.