After Mark Cuban hired him finally, Luka Doncic hated him, so now he is out and owns part of a European soccer team where he does the analytics.TLDR: Your gambles should go along with the math of your life and your family. 

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Most people say don't buy for appreciation, but I've seen sharp folks with deep pockets buy in hot markets with negative cash flow because they have enough money to gamble and still survive if they lose, because they are banking on that appreciation. 

You, on the other hand, seem to be gambling a lot more with that $60-120 quote rehab quote you're working with.

If you're willing to gamble that it will appreciate more in 2016, *maybe* you hold it another year.Take the tax-free money and invest it elsewhere - stocks, a duplex, something out of state...

If you buy in CA with the speculation of appreciation year after year after year, then I believe you are just gambling and not looking for the long term wealth.

Seems to be your current process is working so it'd be a gamble to switch it up.

You are gambling when you buy a property that is costing you money every month to own it and your banking on appreciation. 

Matt  my surfer dude buddy.. this is simply post GFC were the mantra is cash flow is king and appreciation is luck .. and well many many people believe that.. or cash flow is the only thing and appreciation is gambling... but if I look at the biggest hits of my career its been on Non cash flow assets IE NO cash flow or negative but multi million dollar paydays. 

They collect these submissions and if something pops up in your area, and your home potential fits their needs, they will typically do a screening, need more information and if you get selected you will begin talking through pricing, contracts, etc.So if you are switching just for the sake of insurance companies, then it would be a bit of gamble becuase these take a lot more time to foster relationships and build trust.