The Xpert Ladies is an unusual league; it's not really an official league, but it's not really a private league either. There is one thing that is quite handy about it though - even though it counts against quota for you to join a league, it doesn't count against quota once you're in. I actually asked the crew about this and they say it's fine.
This means that, as long as you don't have a tendency to hop private leagues on a regular basis, you can actually run three normal private leagues and a Ladies team for the cost of a one-off extra team payment to join the Ladies. There is one caveat, though - if you wish to leave a team, you'll need an extra team again in order to join another league.
I believe the quota count extends as well, so (assuming you have full quota, either via Xpert rating or VIP) you should be able to have five private teams (including the Ladies) by paying for just one extra, and six private teams (including the Ladies) by paying for just two extra.
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