Today’s lending world is a lot harder to pull that off. Not impossible mind you but a lot harder.

First of all you will need good credit, and then you will need some seasoning on your existing loans, then you will need verifiable cash in the bank. If you have all 3 of those then you should start shopping mortgage brokers.

Going to a bank directly may not be the fastest way to get that done. You may want to start by calling mortgage brokers and ask them who is lending to people in your criteria. Lenders are changing their lending criteria, as well as the fed has made multiple changes to the underlying mortgage regulators. It’s a tricky world out there so engaging an intelligent & experienced mortgage broker will keep you in real time with the intelligence that is out there.

Even if you do a LLC the credit is still yours.

I have 30 properties, and over 20 mortgages, they will not care. (accept WF who only lets you have 10 with them)

I can follow you exactly. If you form a L.L.C. or S corporation you can use the federal tax Id assigned to the corporation instead of your social security number. Only problem is that at first no one will want to lend your corporation money because it is so new. Kinda like when we turned 18 and no one would give us a credit card. Hope this helps, maybe others will have a better suggestion, but I have not found one.

Good luck with that.