How much more difficult is it to get a fourth home loan? Or save up cash for cheaper home

[Kathy C.]

I hear its difficult with a ton more paperwork, more questions, lots more digging into personal finances. Is this accurate? And if so, should I aim to pay off a home before trying to buy my fourth? (1 personal, two current rentals 63k /95k)

Or do I take the other approach and look into other areas in smaller towns about an hour away. Try to find homes under 50-60k to be bought in cash.