Although there is no Betty Ford clinic for bad lending — and the end to the nation’s foreclosure troubles seems nowhere in sight, you can make money from the mortgage industry’s woes. Mortgage lending used to be a relatively sober and low-risk way to make decent amounts of money. You take money from depositors, pay them interest, and lend their money out to mortgage borrowers at a higher rate of interest. It’s not a business model on a par with, say, search engine technology, but it used to be difficult to find mortgage lenders in bread lines. To date, making bad loans is still a poor way to make money. But investing in good mortgage loans will get you a decent yield, particularly in these days of miserable returns from bank CDs.