Real Wealth Show: Real Estate Investing Podcast How to Go Beyond the 10-Loan Limit as a Real Estate Investor
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Nov 27, 2025 Dr. Elaine Stageberg, a former physician and now a private equity mogul, scaled her real estate portfolio to over 1,000 doors and $300M. She shares insights on breaking past the Fannie/Freddie 10-loan limit, leveraging commercial lending, and utilizing the BRRRR strategy to accelerate growth. Elaine emphasizes the importance of relationship-building with lenders and optimizing debt terms to stay competitive. She also highlights how focusing on operations and local market knowledge has driven her success in real estate.
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Started Small, Scaled To 1,300 Doors
- Elaine Stageberg and her husband built 200 single-family homes and over 1,300 total doors across markets they control. They never sold an asset and used early wins to scale into larger JV and private equity deals.
Transition To Relationship-Based Commercial Debt
- Move from conventional to commercial lending after you hit personal loan limits and build relationships with regional banks. Ask for lines of approved debt in chunks so you can draw as properties are renovated to accelerate acquisitions.
Recycle Capital With BRRRR
- Use the BRRRR method to recycle down payments: buy distressed, renovate, rent, then cash-out refinance to redeploy capital. Elaine used sweat equity and early cash-out refis to fund rapid repeat purchases.
