Stop at 10 Properties? This Loan Strategy Bypasses the Limit

October 12, 2026

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David Ghazaryan

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TL;DR

For real estate investors who have reached the conventional financing limit of ten properties, there are specialized lending solutions available to continue expanding a rental portfolio. These tools are designed for professional investors and focus on the financial performance of the properties rather than personal income.

Overcoming Financing Limits: Conventional mortgage rules typically stop at ten financed properties. To grow beyond this, investors must turn to non-conventional loans.
Specialized Loan Products: The primary solutions are portfolio loans and blanket mortgages held directly by the lender.
Cash Flow-Based Qualification: These loans are underwritten based on the property portfolio's cash flow, measured by the Debt Service Coverage Ratio (DSCR), rather than personal income.
Strategic Growth: Use these products for a cash-out refinance on an existing portfolio to create capital for further expansion.

Read the full blog article here: https://www.iqratemortgages.com/blog/loan-options-after-10-properties-in-las-vegas--reno-nevada

Video Transcript:

The usual loans stop at ten properties, but yours won't. I, David Ghazaryan, build loans that ignore that property count. Your property’s rent must pay for everything, with money left. One big loan can pay off ten smaller loans now. That move creates a large down payment for more houses. I explain more on my platforms; see links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/loan-options-after-10-properties-in-las-vegas--reno-nevada

David Ghazaryan

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