Freddie or fannie mae loan?

I thought I heard if a bank sales your loan to Fanny Mae, etc. you can only have so many of them.  

I have used up the 10 Fannie Mae conventional loan quota the first 2 years of investment before I start using my 0% credit cards.

This means I will hit the limit of 4, after which most banks will not issue more loans (even though Fannie Mae allows up to 10).

Most clients (more often than not banks) will require the appraiser to do the assignment on the Fannie Mae 1025 form (https://www.fanniemae.com/content/guide_form/1025.pdf).

What is the cheapest and most reliable source of funding for real estate investing outside the normal FHA203K and Fannie Mae Homestyle Renovation?

@David F.net rental income = (75% * rent roll) - PITI.25% is to cover expenses. per Fannie Mae: "The remaining 25% of the gross rent will be absorbed by vacancy losses and ongoing maintenance expenses."

On most other deals, we'll use fannie mae loans, which are currently running around 4.75 I think, but haven't checked lately.  

However....There are other loans out there like the Fannie Mae Homeready loan, Chase Dream Maker loan, etc that only require between 3% to 5% Down.    

“Thankfully, Fannie Mae, Freddie Mac and the Federal Housing Administration have all announced temporary moratoria on evictions and foreclosure sales in Harvey-related disaster areas,” Graboske said.