What type of loan can I get, 4 rentals, need 5th property as primaryI have 4 rental properties, debt/income ratio is good they net out about -200 a month combined (@75% of rent income). Currently renting a place and piling up $$$ for down payment/reserves. Credit score highest tier..Looking for my 5th propery as a primary, some have told me I would have to use a 5-10 lender, others have said getting the 5th on a normal conventional 20% down is fine, its when you goto get the 6th youll need the 5-10 guidelines.The difference between the conventional and 5-10 is 6 months PITI reserves for all my rentals, that would be an extra $35,000 requirement in reserves. And the shift to move from 20->25% down is another $20,000, so its about a $55,000 swing in reserves/on-hand cash if I have to mee the 5-10 guidelines.House price I am looking to buy is 350-400k if that plays a part.October 17 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.