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Great news for the investors out there. Fannie Mae has lifted the 4 property limit rules for conforming loan qualification. Effective March this year, any investor can obtain up to 10 mortgaged properties, but will certainly need to qualify. Down payment, credit score, and reserves may prohibit. . .but, this really opens the doors up for serious
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property investors. Despite the small percentage of the population that this applies to, it is a big win for the mortgage industry as there has been a “loosening” of the reigns, finally.
Now, a bit of an explanation. . .What’s the deal with a 4506? Basically it gives the lender/bank the right to access a borrowers tax returns for the past three years. These days, mostly all lenders are exercising their right to access this data via the irs(as required by Fannie and Freddie). . .despite the fact that all of the borrower’s income documentation is required for loan approval. It seems a bit repetitive, but today, bank’s will go to extreme measures to protect themselves.