Unfortunately, the rating system does not allow for a below zero rating- which is where this book belongs.Having completed a 25 year career in mortgage banking, I can tell you that bankers are not as stupid as Whitney would lead you to believe. The techniques that Whitney offers in dealing with bankers- simply will not work.Similar to other snake oil salesmen, Whitney discusses the OPM (other people's money) or no downpayment techniques to purchasing real estate.These are great techniques in real estate markets that are so depressed that bank financing is not available. This is not the case in most real estatet markets in America today- especially in light of the current economy.A reader would be better off buying books explaing the windfalls being made on Ocean Front Properties in Arizona.