Remember the subprime lending that sent our housing markets close to destruction? Well, it seems that a new brand of subprime lending has emerged.

One California businessman is offering home loans to people with bad credit, as long as they are able to make downpayments up to as much as 30%.  Do you think this is a good idea or just another way to get those who wouldn't traditionally qualify into homes that they're probably not going to be able to maintain?