New primary residence with 10 existing loans?

[Doug Quist]

I have 10 existing loans with only one being a Jumbo on my current primary residence. The others are on investment properties (6 fourplexes, one duplex, a single family rental and a STR vacation property).

In speaking with a new, to me, mortgage broker, he was concerned that I could not get a conforming loan because of the existing 10 loans I already have even if I decided to put over 50% down to get under the 726.2k limit.  This would be for a new primary residence for me -- owner occupied, of course.

It was my understanding, from others, that the 10 loan limit only applies if the property is an investment property rather than an owner occupied property.

Please help me understand the rules.  Thanks!