You'll be throwing your money away on a Garden Tractor and/or ATV. I bought my Yanmar 276D (27 engine hp), 4x4, loader for 6K. It's been basically bulletproof for 7 & 1/2 years.
silvertramp: thx for the idea. Looking at 2011 Yanmar SC2400's now. Going around $9k for 150 hrs, 4WD, mower and bucket. I could do that. Just need someone who knows what they're looking at to check the thing out. Is there a place on the site here for people who will do that?