We use our 900 dump all the time. My neighbors who have "other" models with a manual dump never use them because of the hassle.
Do you really want to finance the RTV into a long term house loan???
Wayne
Not adding RTV into house loan. Chase contacted me about lowering my current home loan from 4.9% to 3.8% at no cost to me which will drop my payments by $500 per month but puts it back to 15 years. Not changing total owed or taking cash out just lowering interest and extending term but I may continue my current payment and actually save a true $50 a month.
It wouldn't bother me to add the RTV and cars or trucks to the home loan for a lower tax deductible interest. I'm not one of those that worry about owing since I have a good stable retirement income. I live within my means.
I wouldn't add it to interest costing home loan even if I could since I can get it interest free from Kubota. Two different loans and two different payments.
I know I now have a $500 cushion on my house payment, if needed to pay the $213 Kubota payment.
I used to abvise home buyers to always take the longer term of a loan if the interest rate is the same and then pay the earlier pay off amount if they can. If they can't then they are not under paying if they make the actual payment. Also back in the days of inflation their income usually increased to make the quicker payoff happen. This type of financing takes a disciplined person and does not apply to the spend it if you've got it personality.
Money owed is money owed. I will pay any money I owe and always have. If a home secures $200,000 loan or if it secures $150,000 and I have cars, trucks or RTV's securing another $50,000 I still owe $200,000. I'll always take the lowest interest and the interest that is tax deductible. Or $2000 a month payment is the same as $1200 + $400 +$400.
Now again, I'm talking money and dollars. Not Personalities. Some people can't handle this type of financing and it's OK and best for them to never do it my way. No right or wrong, it's just individual differences in people and their circumstances.