How do you get more properties past the mortgage limit?

[Eli Kim]

I just bought my first property a couple months ago and I’m planning on getting my second very soon. I wanted to know how you guys get more properties past the mortgage limit? I know some lenders won’t even give loans after 4 mortgages. What is the best way around this? I also got the first property under my name and I plan to get the next few under my name. Thoughts on this? 

[Ash Hegde]

When you reach a limit with conventional loans in your name (either because of debt to income ratio or 10 property limit) your next best option is to buy with an LLC and get a DSCR loan. These loans are based on the property rents vs mortgage payment and ignore your personal income. They have higher rates and fees than conventional but you can keep your portfolio growing.