financing question / 10 loan limit?

[George Leverett]

I'm a new investor, we (my wife and I)  own 1 single family rental and are in process of picking up a duplex.  I hear that there's a 10 loan limit for FNMA underwriting, so for long term planning we are thinking of putting the current purchase (duplex) in only one of our names, probably my wife.   Our intent is that by putting future loans in only one of our names each time, we can get more mileage out of the 10 loan limit.

Still, this is so new to us ...Does anyone insight into this? Would we still title it in both our names, or just the person who's borrowing? 

Any insights are gratefully received!!!