i don’t have a sense of entitlement.. if i have to rent then i will. i can rent a darn nice house for less than buying… so i don’t mind.

if a person buys a house with 100% financing, has high fico scores, high income, and isn’t biting off “more” payment than they can afford…. they just lack the down payment..is that considered “sub prime”?

or when I read about “subprime” loans are these the “liar” loans where people took out loans with stated income, no proof of anything, and clearly couldnt’ afford the payment in the first place???