It just takes more personal discipline to not spend the build up of cash and put it toward your home loan regularly - once a year or whatever works for you.Mortgage acceleration really depends on you having a surplus at the end of the month or pay period which can either accumulate in a line of credit or some other account you choose.If that's not where you're at, you may want to devote your efforts to a "debt snowball" first to pay down your unsecured debts first (3 to 5 years or more, depending), then go with the mortgage acceleration.Hope this helps ...

I want to accelerate my business, so I opened up my search to multifamily. 

I spent about 3 hours there getting pitched on a 3-day real estate accelerator course for about $2000 followed by a tax lien club pitch for $995. 

PT will help it last longer, but it will still rot at an accelerated pace. 

Does anyone use accelerated depreciaiton or Chattel Appraisals to increase their cash flow??

@Ru MonsellThere are some potential consequences from the lender if there books are audited by there insurance company and they could, but seldom ever do, accelerate the loan,  otherwise known as the "due on sales clause" and demand payment in full for the outstanding loan balance.One way to legally get around this is to purchase the property in a land trust and assign it to your LLC.Find an attorney who specializes in land trusts in the state you are purchasing/ assuming loan and you should both be fine.Hope this leads you in the right direction.Good luck.

Failure to repay those advances gives the Mortgagee a right to accelerate the entire loan balance.  

Not true, without a due on sale acceleration clause.  

Again I'm assuming all spare rent after reserves goes to the mortgage, because I want to accelerate the happy day when the milking period begins and all the rent goes into my pocket.  

Generally, no it is not too late, but if your state has a redemption period, then the the lender has the right to demand payment in full.In non-redemption states, a notice will be given and the seller may have X number of days to bring the loan current.Mortgages have an acceleration clause , which means they can demand payment in full.