Money locked. Please help

[Diandre Pierce]

Wife and I bought a house 170K in my name with first time home buyer mortgage 800 renting for 1800

i have another house 225k in her name with first time home buyer We live in mortgage 1400 house hacking it for 800 a month


we save 2000 a month from these properties
i can’t get a lender to lend me anything else until I have 6 months saved up on both houses and 25 percent of my next property .
does anyone know a way around that or a way I can do this better

I have 14000 on hand and I saved this all this year. I bought no the those properties this year. And everytime I bought one we were at virtually zero. I can save like no other. I just don’t want to wait to save almost 100k before I can make a move

[Chris Seveney]

@Diandre Pierce

I would also be careful as typically those first time programs require you to live in them for a period of time and will cal the loan if you apply for another loan and they find out you are not living there - as it’s considered mortgage fraud.