Principle mortgage after ten investments?

[Michael B.]

I've been sitting on nine investment mortgages for a while now because I was holding my 10th mortgage for a primary residence.  After reading over the Fannie guidelines (https://www.fanniemae.com/content/guide/selling/b2...) it appears I was doing that for nothing as the primary residence is excluded from their caps.  For those that have purchased their primary after hitting one of the various caps in mortgages how was the process compared to purchasing your primary before the caps?

• Did you need 25% down like the investment properties or could you go back to 20% or even less?
• Were the rates the same or did you pay a .5% premium like an investment property?
• Any other concerns I should have if I decide to buy a 10th investment prior to my primary?