After researching it, I did see that it’s, of course, a sales pitch to double profits and speeds up the process.

Was driving with someone on a toll road, and he was speeding. 

It took me a bit to get caught up to speed on this post :) Without getting into the appreciation vs cash flow debate, location debate, etc., I'm here to say that I'm happy so far with my investments.My MAIN goal for my investing right now is cash flow.

You can get the entire entree out here for that.Longer term, if California doesn't bankrupt itself trying to give citizens of other countries free health care or provide cell phones to the homeless, and actually makes the vision of the California High Speed Rail a reality, or self-driving cars become mainstream and allow commuters to work on the road to work, then Sacramento will absolutely fricking explode with Bay Area commuters.But then again, we may have FAR bigger problems on the horizon, with automation, robots and AI set to replace as much as 73 million jobs by 2030.

One of my concerns is the umbrella policy can be canceled, I've heard stories about issuers canceling if you get into a car accident or speeding ticket (increased risk).  

@Bill Gulley one thing is certain  reading your lengthy post create eye strain.. speed reading will be the rule of the day on many of Bills' post lest one wants to go blind..

It can definitely be a way to speed up my portfolio.

Did it speed things up for you?

If your plan is to speed up your investment growth do not pay down mortgages, pull the equity and invest in additional properties.

Plus a traffic ticket for 175 dollars (speeding on some back road).