Overly conservative loan officer?

[Jay Y.]

Hello all,

I'm looking to get a couple more rentals this year and after speaking with a loan officer with a specific bank, I wondering if he's being overly conservative or if it's all warranted?  Here's my situation:

1. I have 4 conventional loans
2. I have 1 portfolio loan
3. I have 3 duplexes titled under an LLC under a commercial loan
4. I have one rental house reported on my tax returns but mortgage is under my father's name

The loan officer is saying due to my situation, the underwriter will see me as having 9 financed properties.  So is this interpretation correct?

It's been hard finding a bank who will service Fannie Mae loans and usually banks have lower origination fees than a mortgage broker but if this guy is being too conservative I may consider working with a mortgage broker instead.  

Thanks all!