Too hard to get a real estate loan

Have you tried to get a real estate loan lately? It is impossible and a total invasion of all sensibility and privacy. It doesn't matter how credit worthy you are and if you are smart, you would not voluntarily subject yourself to the BS they put you through. If you own multiple homes, it is not worth buying another (although it is obvious you could). If you have any net worth, pay cash or don't do it. Until they get this fixed, lowering interest rates won't help. Dodd-Frank bill has destroyed applying for a real estate loan and banking in general, unless your a BIG business. They won't rely on credit bureau reports and tax returns anymore. They want double and triple proof of the property you own, your loans, your payments and even checks that you haven't received yet! They want proof of your phone number! I personally wouldn't try to buy another property until I feel like spending the cash because getting a loan is absurd. It doesn't matter if you have 40 years of perfect credit and multiple properties, businesses and plenty of documented income. The pendulum has gone the other way. Democrats first wanted everyone to have a home (a ridiculous concept) and now they have made it that few own a home (reminds me of communism). Homeownership has always been one of the pillars of a strong middle class and the greatness of America. I see this American dream slipping fast into the past, unless you can and want to pay cash.