WILL THE FINANCING OPTIONS EVER RETURN TO INVESTING!?

Hi guys, I have been studying investing for over a year now and I was reading about how the financing game has changed within the last year. The new 20% down instead of 10% down and also 700+ credit score to get a loan ect. Ect. My question is, will investors ever get to enjoy the 1990’s financing options again or will they be gone forever. Will banks require employment verification, 800 credit scores, 180 days seasoning and 50% down to get loans just to buy properties?