How do people have 10 properties in their own name?

[Joel O.]

Alright I have a question I'm asking now becuase of the situation I am in.

From what I understand investors are able to have 10 properties in their own personal name until banks start declining to continue to loan to that individual anymore. Afterwhich the investor would start to start placing their properties into LLCs. 

How is this possible when DTI comes into play?

I currently have 1 property in my own name and another in my LLC. Now I want to purchase another property in my own name and because my DTI is too high I am no longer able to purchase that property. Even with 75% of the current property's rental income being included as personal income.

I understand that using Hard Money Loans would allow this, but conventional clearly wont.

How are investors putting 10 properties in their own personal name without being declined by the lender/bank?

[Jeff Copeland]

Most people who can carry 10 loans and still stay below the DTI threshold are high wage earners.

It's also a tough balancing act for self-employed individuals: You want to minimize your reported income and maximize your business expenses for tax purposes; But you want to maximize your income and minimize your expenses for DTI/Lending purposes. You can't have your cake and eat it to, and sometimes you have to be strategic about how you structure your income taxes and pay down other debt in order to qualify for financing at the right times.