Thats what I do, too. But you are looking at it from a “small timer” perspective. We are both small timers. The BTO’s are where all the sales come from. I’m talking 150HP-500HP, large square balers, $400,000 planters, etc. Those guys lease equipment like you wouldn’t believe.
They can no longer afford to buy and more importantly maintain this new ultra high tech equipment.
About 4 years ago, Kubota ran a MASSIVE leasing program on M6 and M7 tractors. They are all now “coming home”. If you look at the Tractor House on line, you’ll see 15 or so of them all being offered for sale by PNC Bank. They were the financier or them. I am considering one, but still a bit above my pay grade.