How can I allow users to enter multiple records in one field?

Is there a way to add an ADD button, if that makes sense. Like...say smoeone wants to add more references but there is only a spt for two, is there a button i can add that will let them add a new row? does that make any sense?

I would suggest you to take a look to the Configurable List widget that will allow your users to enter multiple records for one question: https://widgets.jotform.com/widget/configurable_list 

This guide will help you setting up the widget: https://www.jotform.com/help/282-How-to-Set-Up-the-Configurable-List-Widget 

And this one will help you to add it to your form: https://www.jotform.com/help/252-How-to-Add-a-Widget-to-your-Form 

You may also find more widgets that will allow multiple entries here: https://widgets.jotform.com/category/multiple_entries