Are lenders tightening the lending guidelines or are they just going back to how they were?

Interesting video about lending today versus lending practices in the past. Most would say lenders are tightening but "...the reality that banks are not tightening their lending standards; they are just following the standard practices that they were using years ago." Also, investors might be able to expand their portfolio in the future... if all works out. Denver Real estate Investments: www.housefitz.com Denver Income Properties: www.housfitz.com