non conforming loans

As I and my friends sit around and talk about today's currect credit market we keep asking ourselves when do we think we will see non confomring loans come back?

The non conforming commercial loan is coming back where the lender is concern more on the deal than the credit of the principals. If the currect cash flow is weak now what is the upside? What is the cost of the upside

The market is coming back it is just slow