Did you know that co-signing home loans with your spouse could be holding your real estate portfolio back? It’s a common mistake that many investors make without realizing the limitations it creates. The good news? You can avoid this pitfall and unlock double the borrowing power for you and your spouse—giving you access to 20 financed properties instead of just 10.
Here’s the secret to maximizing your real estate portfolio without extra headaches, all with the help of Fannie Mae financing, the gold standard for investment property loans.
Why Co-Signing Is Costing You Growth
Fannie Mae offers unbeatable benefits for real estate investors, including low interest rates, no prepayment penalties, and minimal fees. But the catch? They limit borrowers to 10 financed properties.
If you and your spouse co-sign on every loan, that 10-property limit applies to both of you combined. Essentially, you’re using up both of your allowances at the same time, maxing out your borrowing potential far too soon.
The Smarter Strategy
Instead, consider financing properties separately—one under your name, the next under your spouse’s. By separating your loans this way, you unlock double the portfolio growth. Each of you qualifies individually for 10 properties, meaning together you can finance up to 20 properties while still enjoying Fannie Mae’s top-tier financing.
Why Financing Separately Works
- Double Your Acquisition Power: Grow your portfolio twice as fast without overcomplicating the process.
- Keep Top-Tier Terms: Take advantage of Fannie Mae’s competitive rates and flexible terms across all 20 properties.
- Seamless Growth: Don’t hit the 10-loan cap prematurely. By spacing out who’s listed on each loan, you ensure long-term access to conventional mortgage strategies.
Bonus Hack for Expanding Beyond 20 Properties
Thinking even bigger? No problem. Here’s how you can go beyond the 20-property limit while keeping your investments smart and scalable:
- Purchase Multifamily Units: With Fannie Mae financing, you can invest in duplexes, triplexes, or fourplexes. Multifamily units count as a single loan while significantly increasing your rental income potential.
- Primary Residence Loophole: Primary residence financing often allows for better terms and fewer restrictions, giving you a chance to scale further.
- Free Up Loan Spots: Once you’ve paid down your loans, refinance some of your properties into a portfolio loan. This strategic move clears space in your conventional borrowing limits, allowing you to keep building your portfolio without hitting a wall.
Unlock Your Portfolio’s Full Potential
Whether you’re a seasoned real estate investor or just starting to grow your portfolio, the way you approach your investment property loans can make a huge difference. Financing properties separately as a couple is a simple yet powerful strategy to multiply your opportunities. And if you’re ready to grow beyond 20 units, there are creative solutions that can help you expand even further.
At Blink Lending, we specialize in helping investors like you leverage smart Fannie Mae financing and real estate portfolio strategies. We’ll guide you every step of the way to ensure you’re maximizing your borrowing power while keeping the process simple and effective.
Take the Next Step
Have questions about mortgage strategies or want to unlock your portfolio’s potential? We’re here to help.
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