To answer your question, it ultimately depends on the individual buyer. If an interested buyer has a steady employment history, good income, low debt-to-income ratio, good credit score and at least $500 saved, then they won't have a problem getting a loan.
Now, if an interested doesn't have a steady job, has a lot of debt and bad credit, then they'll likely have to wait a while before they can be in position to buy.
Since you're approaching the sale of your home as a FSBO, I would strongly recommend not allowing any stranger in your home who hasn't been screened/prequalified. There are a lot of scams today and FSBOs are a focal point for scammers.
Typically, a home has an electronic lockbox that time stamps exactly when the home was accessed and which agent was inside the home. The buyer is generally accompanied by a licensed real estate agent who has the buyer's name, contact information, etc.
As a FSBO, you'll be on your own to determine if the person calling or knocking on your door is a genuine buyer and not someone with bad intentions. For example, two individuals could visit your home during an open house or showing, split up, and while you're showing one the kitchen, the other is unlocking a window for later entry or going through all your drawers.
Just take caution when handling prospects.
Syan Real Estate
Call/Text: (505) 730-8181