Then I would definitely consider a decent used tractor 4wd (mfwd, etc). Something like a JD 4300, 4310, 4400, 955, Kioti dk35, Kubota L3901, maybe even a NH boomer or work master (I’d stay away from anything super steer).I would likely be the primary, and my husband would be the secondary.
On budget, don’t forget to think about attachments you will want/need. They can add quite a bit to the bottom line. Again, shopping for good used stuff just takes time and a little patience.