I havent playing online much at all this year, yet at least. I might start up soon. Last year I went through the exact same thing you are experiencing. I did manage to get up to division 2 but it was really hard down around division 7 or so. after that I just went through a run all the way 3 and then back and forth till i got to 2. I should have kept with it to division 1, but i was really tired of the winning streaks followed by losing streaks.
As far as momentum, I just try to hold the ball as long as possible when I know I don't have it. I hold and then punt the ball down field if my guys are suddenly too incompetant to get through the midfield. I am sure you know what I am talking about.
I hope next year they really address online play and lower the speed big time. hopefully give us more incentives to play with manual controls as well.