回报. 个人贷款 投资房 数目

几天前, 有个帖子关于投资房数目. 因为我的loan office 告诉我只能有4个mortgage, 我一直有错误想法.

考古 并 看了一些网上 资料, 我的理解如下

1. Fannie allows up to 10 mortgage at a time, BUT Freddie allows up to 4

2. some loan brokers only works with Banks selling mortgage to Fannie/Freddie or both, so some can do 10, but some can only do 4

3. even for brokers can do up to 10 mortgage, there are more cost and more requirement/paperwork for more than 4 loans, such as
    25% downpayment on the property;
    Minimum credit score of 720
    No mortgage lates within the last 12 months on any mortgage
    2 years of tax returns showing rental income 
    6 months of PITI reserves on each of the financed properties

4. my understanding is there rules are for individual investors. If you want to get more than 10 mortgage, form a LLC can raise the limit.

这只是我的理解, 欢迎 指正