Possible to stretch Fannie's 10 property limit in community property state

[Brandon Bass]

Does anyone know if it is possible to buy houses in just my name or my wife's name in an attempt to stretch out the 10 property limit? I had one mortgage broker say yes, properties bought individually are counted separately (meaning we could possibly get to 20). Then I had another say that since this is a community property state if we buy a property in just one of our name's it will still count against both of us as far as the Fannie Mae 10 loan limit is concerned.

I do see wording in the Fannie Mae selling guide regarding debt obligation of a property counting against you even if you are not listed as a borrower so I could see the second mortgage broker being right.

Anyone have an answer for a tie breaker?