I just purchased a Kubota. I am not saying it would be right for you. What I am saying is that my situation is very similar to yours. I have 7.5 acres, 4 wooded. I am getting ready to move into a new house there. I too did not want a huge payment and wanted 84 months. We will pay off our tractor after we sell the house we now live in.
When I closed the deal on my tractor, I was gonna go with the .9% for 72 months. When the dealer typed in that deal, and added my down payment, he told me that with money down, I got zero % for 72. I then asked him to figure 84 months. He then told me that with money down, I would get that for zero %. I just hope when I get my payment book, I do not get that changed, because I have not read that anywhere or heard anyone else that that. He also said he could defer my first payment to December. Now, I just got the tractor two weeks ago Friday, so I cannot say all these things will come true, but the dealer who seems to be honest told me they were.
Hope this helps. I would do like somebody else suggested and do some chores at your place with a rented or borrowed tractor first. The tractor I just got was my second. I started with a 25 gross hp tractor and with a loader, it seemed a little doggish when using my 6' finish mower.