Conventional, Heloc or Commercial???

[John Matthew Johnston]

My wife and I have just bought our 8th door and we use the Brrrr strategy. We have always went for the 30 year fixed because our goal is CF and we plan to hold for a long time. I am only a nurse and my wife is a stay at home mother basically so we arent high income earners . We recently started to run into DTI issues and a commercial lender said I shouldn't be assuming mortgages in my name anymore to avoid this issue. The last 2 loans I took out were commercial loans with 5 yr. ARMS that aren't fixed and I just dont like not having a fixed rate. My question is what would be my best loan option to get the longest amortization, fixed and decent rates without assuming loans in my own name or should I just keep trying for conventional loans and max out the 10 conventional loans rule. I have always struggled with the Refi aspect and what the best options are. It seems like everyone has a different opinion of it.