I heard this rumor that the economy is bad. Something about risky lending, Wall Street irresponsibility, people buying houses they couldn't afford, etc. Well I would like to thank lenders for being irresponsible, because without it, there's no way they would have given me a zero-down loan to buy my house. I suppose the difference between me and the people buying $900,000 houses in So Cal is that I found a reasonably-priced house in a somewhat stable market and because of my self-employed status my earning potential is variable. My situation worked out quite well actually, and even in the miserable market, I still owe less on my house than…