The credit is the real issue if borrowing. Lower the credit rating the higher the interest. This is probably a no brainier but it effects your monthly. I would shop till I dropped looking for a private owner that no longer can use their rig due to health issues and might be willing to finance holding the title and lien. Just my 2 cents worth.
Clay & Pebble.. Miss Butter our sweet Goldie (Jan. 2005-Jan. 2015) Sissy our Border Collie
2012 Providence 42 M. Spartan Chassis, 450 ISL
Ford Edge toad, RM All Terrane, TST TPMS, SMI Air Force One, RVM95....