If the property type is residential with 4 units or fewer, then you can get a total of 10 mortgages. Doesn't matter if they're your residences, vacation homes or rentals. Most big banks have policies that make it hard to get 10 loans, but most local banks allow it (in my limited sampling). The question to ask is whether the bank allows up to 10 or whether they have policy overlays that reduce the number from the federal max. Other property types or more residential 1-4 need commercial loans.