If you have not been following all of the preparation for the implementation of the Dodd-Frank legislation then you may have missed the warning whistle.  There is a train headed your way and it is poised to make borrowing a lot more expensive.  Real estate investors who are making plans for their 2014 purchases are going to find a different lending landscape.  Not all of the rules are bad and some are absolutely needed.  But real estate investing will be different and investors need to be aware of the changes coming.