conventional mortgage limits for married couple in NC

[Jinyu D.]

I'm doing a cash out refinance on a primary residential which we'll turn into a rental soon.

As I heard the mortgage limits is 4 per person, I try to finance it under my name only so that we can get up to 8 loans.

My mortgage broker told me that husband and wife count together on loan counts even if only taken out in 1 person name.

I get confused. Does that mean if we can only apply for 4 loans together if we're married? Or we can get 8 loans in total?

If lender will count on loan all together, it doesn't make sense for me to try so hard to get it approved under my name only. (I just relocated to US so I doesn't have a long credit history, it is very difficult for me to negotiate a loan by myself. But we'd like to apply as much conventional mortgage as possible and build my credit score at the same time).

We're in North Carolina. I need some suggestions on how should I structure the finance.

Thanks.