The 10 Property Financing Rule Is A Trap

June 22, 2026

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David Ghazaryan

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TL;DR

For real estate investors looking to expand beyond ten financed properties, conventional loans are no longer an option due to limits set by Fannie Mae and Freddie Mac. This article explains the alternative financing solutions available to continue scaling your portfolio.

Portfolio Loans: These are held by the lender, allowing for flexible terms not bound by government-sponsored enterprise rules.
DSCR Loans: Qualification for these loans is based on the property's ability to generate enough income to cover its own mortgage debt, rather than on your personal income.
Key Requirements: Be prepared for stricter criteria, including higher down payments, significant cash reserves, and a strong credit history to secure these types of non-conventional mortgages.

Read the full blog article here: https://www.iqratemortgages.com/blog/financing-your-11th-rental-in-reno-and-sparks-nevada

Video Transcript:

The system stops your growth after you finance ten properties. I am David Ghazaryan. I build structures to move past it. The property’s own rent money pays for the new loan. This lets you buy more properties without showing your paychecks. Now, there is no hard limit to how many you buy. My full analysis is on my site and socials. Links below.

Read Blog Here: https://www.iqratemortgages.com/blog/financing-your-11th-rental-in-reno-and-sparks-nevada

David Ghazaryan

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