Four SFHs and my Debt / income ratio maxed - What's Next?

[Louis Porter Jr.]

A little background before I get into this: I have 4 SFHs; one I live in house hacking and three that are investment properties. With the purchase of my fourth SFH, I know I have reached the end of banks looking to give me money to do cash-out refi on any additional SFH or multi-families I might be interested in. So, I have reached this point and I am wondering, what is the next LOGICAL AND SAFE CHOICE to acquire more real estate? I purchased by last two properties with a HELOC and did a cash-out refi on both. I do have cash available to buy with the HELOC, but I think I need more "tools" in my "tool box" to purchase more properties. I have only been house hacking and investing since October 2019, so I am moving in the right direction but I also know what I don't know. Any help and/or suggestions are greatly appreciated.

[Christian Rojmar]

You may want to start looking for a portfolio lender (it seems that Jacob may be working with one as he has 38 units with the same local bank). A portfolio lender typically does not restrict the number of properties you own.