This program applies even if some of your five to 10 homes were not funded by Fannie Mae. To qualify, you'll need 6 months of reserves to buffer versus jobs. You'll have to pay 25% in down payments for single-family homes and 30% for properties with up to 4 units.

Likewise, you'll be disqualified for any personal bankruptcies or foreclosures within the past seven years. To finance the seventh to tenth house under this program, you'll need a credit history of 720 or greater. In this…