How are people getting more than 10 loans?

[David J.]

I find that fannie and freddie cap you at 10 loans. To get 20 homes using BRRRR there needs to be many refinance loans.

How is this happening? How are folks getting around reserve funds for the next loan? 

Are private banks the answer? what kind of rates/terms are folks getting?

[Matt K.]

Have spouse open 10 more under their name...