Recent statistics showing an uptick in the housing market are skewed by the fact that almost half of all homes sales in April were resells of foreclosures, in large part because traditional sales have been dulled by what some call “idiotic” standards now demanded by mortgage lenders. In many cases individuals with six-figure incomes, great credit and a large down payment simply can’t get a housing loan from banks, and the same is true for entrepreneurs. “They are chomping at the bit to get into this market, but are forced to the sidelines,” Stuart Fraass of Guaranteed Rate Inc told The New York Times. “If you’re self-employed, you have virtually no chance of getting a mortgage now.”