How many loans can I get?

[Rigo V.]

Am I right in thinking that after the first 10 mortgages I need to do commercial? Or are there portfolio lenders with no mortgage limits? 

[Andrew Postell]

@Rigo V. I would suggest to think about portfolio lending and commercial lending as the same thing.  They are both loans that come from the bank's own "portfolio" of money. Sometimes they are referred to as "commercial" loans. These loans are a lot more flexible than "conventional" loans. Bank's money = Bank's rules. If they like you, then maybe they will lend to you. But since there is a limit to how much money the bank has access to....their rate will be higher...and usually a shorter term. The most common portfolio style loan in Texas is a 20 year adjustable rate loan. These loans are easier to get but the terms are different.  Since it's the lender's own money, they kind of design a loan with an end user in mind.  So some lenders might make their portfolio loan package designed for residential investors.  Some lenders might make their portfolio package for commercial investors.  Whatever you call it....the only limit is how much money each lender has in their vault.  You can get as many "porfolio/commercial/non-QM" loans as you want.  Anyway, hope this makes sense.