You can run romex under a house in the 'crawl space' as long as you fasten them to the joists so that they meet code [staple NM cable 3.5', MC 6', etc..] and when you run NM cable you need to run it so that it will not be damaged. I prefer to drill the joists, but running them along the joists works as well, just dont staple them to the bottom of the joist. if you are running 8/3 or 6/2 cable [I think those are the sizes] you do not need to protect them from damage and they can be stapled directly to the bottom of the joists.
~Matt
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