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Greetings:
I think you are very smart. I would never get a sub prime mortgage. My husband and I live Below our means,as far as rent and ostentatious things.. As a result we can invest, save, pay for medical health preventative tests not covered by insurance, buy high quality pharmaceutical grade supplements, buy more expensive higher quality food, cure any ills by alternative means before they cause problems (also not covered by insurance), as a result of which we are incredably healthy and physically fit despite our ages (over 60)> As a result of this we can take great vacations involving great physical activities (horseback riding, trekking, hiking, dogsleddin--all over the world). This is a much greater life style than living in a house paid for by a sub prime mortgagtes, losing the house, having a nervous break down over it--or staying in the house by working 2-3 jobs and doing nothign but work and stay in your house--saying to yourself "Oh aren;t we great--we live in this house). Besides if you expand your perameters to travel and experience other cultures you can learn what is the best thing about their life style and learn form them and incorporate it into your lifestyle- to great benefit for yourself.

Kind Regards