what to do after you've used up your ten fannie and freddy loans?

[Fred Stevenson]

So for those investors that have accumulated 20 + homes, I'm curious how you continued to get your financing after you used up your ten personal loans.  Did you start using commercial loans to buy your properties after your first ten?  I am almost at my limit, and I'm trying to plan for the continued expansion of my portfolio.  However, most commercial loans that I'm familiar with are usually come with a slightly higher rate that is fixed for five - seven years with a 20 year amortization schedule.  My fear is what happens once the fixed rate period ends?  It's hard for me to imagine that rates won't be much higher in six or seven years than where they are today?  If this is how most people are financing their investments to expand their portfolio what about the risk of having a short term fixed loan?  How are people mitigating this risk, and what are other alternatives onces I've hit my limit of ten personal loans?