Yeh 20k is the max I could spend... that's really pushing it for me at least. Have two mortgages and a ford raptor draining my wallet. Thats the one reason I was looking at that used one. It included the backhoe and loader with a bunch of extras. The NH is def more affordable and brand new but only includes the loader. With delivery I'd be looking at 15k out the door for the NH. To answer your ? murph seems like the NH dealer is pretty dependable- and the two others closer to me have good reviews. The LS dealer is bout an hr loc in ct and not to familiar with them.