A comparatively conventional home buyer's handbook--with the plus of an up-to-date rundown on such innovations as graduated-payment, variable rate, and wraparound mortgages. The by-word, title notwithstanding, is caution: ""In your haste to use creative financing to buy your dream house, you may overlook some of the pitfalls that could turn the dream into a nightmare."" Throughout, Temple (Real Estate Investment for the '8Os) adroitly utilizes case studies to illustrate and illuminate complex techniques--from the sales as well as the buy side. (In one instance involving dates, he counsels the buyer to aim for a ten-year time period, while advising the seller to limit the term to five.) Refreshingly, he recommends full disclosure: revealing to prospective lenders, for example, that a down payment has been borrowed from relatives. Also covered are offbeat gambits like lotteries, shared-appreciation mortgages, and so-called growing-equity loans from a Merrill Lynch subsidiary. (Anyone who wins a house in a raffle will shortly be presented with a tax bill, Temple warns, and the other recourses are still under IRS study.) The bulk of the text, however, is devoted to such mundane matters as conducting an intelligent search; calculating how much house, condo, co-op, or mobile home one can comfortably afford; dealing with real estate agents; appraising sites as well as structures; and executing purchase agreements. Easy-to-follow checklists appear at virtually every stage, and there's even a section on civil rights in the residential housing market. Authoritative guidance, in short, that could also serve householders seeking smart-money ways to move into new quarters.