What to do after 10 conventional loans?

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Hi,

I'm trying to get a handle on what my options are once I reach 10 financed properties. At that point it's into the commercial lending business; is every loan there on out 30% down, 5 yr adjusting rate? There must be other options, of which I don't know - any insight to the lending environment after 10 loans would be really helpful, thanks!

To tie into that, I hear the term "portfolio" loan as if its a cure-all loan type.

Thanks

Jon