Homepath Duplex Financing and Marital Property Issues

[Jennifer Rudolf]

I live and invest in WI. Currently I have 9 properties - with 1 loan in my name only (pre-marriage), 1 loan with my husband (primary residence) and 1 loan in my husband's name only (pre-marriage). I recently found a home path duplex investment property under $70,000 and am looking to finance it. One lender told me no, because of the "state high cost guidelines" and others tell me that I can't put it in my name only as WI is a marital property state. Further, I'm told that because of marital property law, all loans - his and mine count against me - and most banks will only allow 4 loans (despite home path program allowing up to 10 for 1 person). Any recommendations? 

Does anyone have more than 4 mortgages for their investment portfolio?

How do other's get around marital property?

 Has anyone been denied a loan (despite amazing qualifications) because of "state high cost" laws?