The Loan Hack That Lets You Buy More Than 10 Properties | How Investors Scale to 20 and Beyond

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What if you could keep buying rental properties long after the banks tell you you’ve hit the 10-loan limit? In this video, I break down The Loan Hack That Lets You Buy More Than 10 Properties and show you how real estate investors use DSCR loans to keep growing their portfolios with ease. You’ll learn why conventional financing stops you at 10 properties, how experienced investors get around that rule, and the simple strategy that makes scaling your rental portfolio easier than you think.

We’ll dive into how DSCR loans work, why they’re the key to buying more rental properties, and how this method helps investors scale to 20 and beyond without relying on tax returns or W-2s. If you want to grow your real estate investing business and break past the conventional loan limit, this video gives you the step-by-step roadmap the pros use. Stick around until the end—I’ll share tips to avoid common DSCR mistakes and show you how to confidently expand your portfolio using this powerful investor loan strategy.

0:00 The 10-property financing limit
1:15 Fannie/Freddie rule: max 10 financed properties
1:36 What counts toward your 10 loans
2:03 Why banks cap you at 10 (risk management)
2:11 Rule applies only to conventional loans
2:18 DSCR loans introduced (no property limit)
2:35 How DSCR loans qualify (rental income, not personal income)
3:17 Why DSCR is a game changer (speed, LLC, flexible terms)
3:49 Conventional vs. DSCR comparison
4:17 How investors scale past 10 using both loan types
4:50 DSCR downsides (higher down payment, higher rates)
5:13 Why the loan rate matters less than the return

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😀 Info provided is opinion and for entertainment purposes.
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🔎 Sources
Niche, Wikipedia, TravelTime, Census, Real Estate Commission
😀 Info provided is opinion and for entertainment purposes.
💰 Links shared may be affiliate links to products or services. We may receive a commission, discount or benefit for purchases made through these links.

The Loan Hack That Lets You Buy More Than 10 Properties | How Investors Scale to 20 and Beyond
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