Those creative financing schemes are just now plain “bait” advertising for the remaining credit saints or greater fools who have high FICO scores and steady secure jobs. Almost every sucker and his relatives have already piled in during the last three years into the Trump-wannabe club. There are just a few remaining stragglers of naive, innocent, high-fico owners out there who are not Piggington readers who will fall for these greater-fool baits. Their numbers are dwindling. Soon enough, it will be Piggington’s turn to swoop in and buy at prime time.