Additional traditional, or portfolio/blanket?

[Ian C.]

I sort of like the catchiness of "additional traditional" but on to the question.

I have one duplex - cash flowing fine - mortgaged "traditional" with 5.3% - 30yr fixed. I put down 25%. Value at 90K, I have a 63K mortgage.

Purchase offer on another duplex. 50K. Assessing financing options now but looking at "traditional" 15 yr at 3.25%. 25% down.

Finally, I am assessing two other duplexes. One can be had for 40K, the other 50K. I am butting up against "traditional" Fannie/Freddie mortgage # limits here, and I have done some research on BP forums for some guidance in this area. Just wondering everyone's take on this next move -- if I can get a lender to do a portfolio/blanket loan, should I capture these next two via this method? Or should I go conventional/traditional and just get two new mortgages on them? My FICO is 780 and I am employed FT. Or some other alternative altogether? The two are sepately owned and neither has owner finance as an option. Thanks for any and all advice.