For anyone getting a loan, the process has become much more stringent. Income must be verified, not stated, in most cases. FICO scores must be considerably higher today than they required 6 months ago. Many loan programs have been dropped or changed over the past couple of months. Financing for "rollovers" is more difficult to obtain without high charges and low rate programs have mostly gone away. Lenders are requiring hard money for down payments, not seller participation type transactions. In all, it is a much more difficult marketplace and selling the property is even a bigger issue for many markets.

You'd be surprised how easy it is to get a low interest rate.