Maximize the use of the 10 conventional loans for a married couple

[Ryan Sun]

We've learned that each individual can secure up to 10 conventional loans with favorable interest rates. To maximize this opportunity, it is recommended to utilize the full allocation of 10 loans per person. As we proceed with the implementation, several questions arise regarding an investment property, where we intend to use the husband's name for the mortgage. Here are the questions:

1. Can the down payment be sourced from a joint checking account? Will the underwriter require the wife's involvement in the process?

2. We have a family trust, and we would like to use it on the title. Is this acceptable? If so, will the mortgage still be considered under the husband's name only?

3. In the future, if we decide to refinance the mortgage, is it possible to transition to a mortgage solely under the wife's name?