Despite limited resources, states try to help homeowners facing interest-rate resets to refinance into fixed-rate loans. Talk of a tight credit market obscures the fact that mortgages remain available. Here's who qualifies. Homeowners who can't sell may want to rent their homes. But maybe being a landlord isn't all it's cracked up to be. It's called a tax credit, but you have to pay it back over time. Know the rules before you claim this government "gift."