How many knows that TODAY, one cannot get a loan on a home if you do not planned to live there?

The NEW federal financial reform prohibits people from getting loans on houses one wants to rent. My deceased mom's house has been up for sale for a year--no bites--i want to buy it to rent it--for investment im putting 50% down and i cannot get a loan because i wont be living there. What is going on? What right does the federal government have to restrict people from investing in property? No wonder why the housing market is STILL PLUMMETING