Here are some general Fannie Mae (not lender specific) guidelines.  1.

@Wayne Brooks yes Fannie Mae changes their rule from 4 properties to 10 properties in 2009 but most institutions still stick to 4 properties since the guidelines are different for property 5-10.

STR/LTR/Commercial etc... and I know the guidelines inside/out and how to calculate the effective income from these. 

Have you given them clear guidelines on how you want to be communicated with?

Of course not, that's idiotic, it's literally gambling.

Listed below are the Fannie Mae Guidelines on maximum number of loans.  

How do I get around this guideline if I have 10 properties paid for and I would like to refinance and purchase more.

The underwriting guidelines are much looser than banks, LLCs are not usually a problem, and seasoning (how long you've owned the property) is also not typically an obstacle.The trade off is that you'll pay for it...rates are 8% to 14% with points in the 2 to 5 range.

Bob, It depends on the type of loan she has now, but there are some great refi programs out right now, near same rates as income-qualifying ones, but all seem to have different guidelines.

The actuaries know what they're doing and insurance is simply a gamble where the house is going to win all the time.