You'll also have a lower risk of default/running out of money since you're likely financed through 30-year Fannie Mae/Freddie Mac.

Fannie Mae) have a cap of 10 total financed properties.

This is probably besides the point, though.I'm talking with a couple lenders to see my eligibility, and one has told me that fannie mae and freddie mac have become more stringent in address listings: they won't allow me to use my address in Florida since my tax residency is in Shanghai.

Or even refinancing through Fannie Mae and Freddie Mac getting 75% LTV back and renting it out.

The FHFA has established the 2024 lending caps for Fannie Mae and Freddie Mac at $70 billion each, totaling $140 billion for the year.

The FNMA (Federal National Mortgage Association, aka Fannie Mae) only allows up to 10 mortgages.

@Denise JdsmomI can get you an attorney but they also charge hourlyThere are some attorneys that charge the required Fannie Mae rates but in some instances that is higher than hourly Here is link and this is does not include court costs, fees, publishing etchttps://singlefamily.fanniemae.com/media/8971/displayHave you considered just selling the loan?

The problem continues to be I don't have a year's worth of employment records to appease the Fannie Mae requirement.

I'm interested in the Fannie Mae Small Loan program for the feature of 30 yr fixed interest rates on a loan amount of $1m to $3m. 

Don't let anyone tell you the limit for institutional lenders or Fannie Mae is 4 - it's 10 properties maximum.