If all you are going to do is prep a garden and mow, you might be well ahead to buy a larger 2wd machine, even an older gasoline tractor, with a mower.
I have the domestic model of the YM2000, the YM240, with loader, in both 2 and 4 wheel drive form. As California said, it is essentially the transition point between where a smaller tractor will do useful work without being 4 wheel drive. The 4 wheel drive definitely adds capability in some circumstances; for general lifting and moving of materials it is unnecessary.
The loader adds significant bulkiness and weight when mowing or working in tight places; if your 10 acres is fairly open, it won't be relevant. For gardening, you may consider asking around to see what others successfully do in your area. The combinations are typically to use a PTO tiller to prep the garden bed, or some combination of disk harrow, turning plow, and/or cultivator/bedder. For me the tillers actually process the soil too much for most gardening purposes (with some exceptions) for what I do, but others use them very happily. I don't think there is a single correct answer, but that local circumstances, conditions, and end goals all affect what tools are optimal.
You may really benefit by investing a few hundred dollars renting some various sized equipment, if there are rental agencies nearby, to see what works (and doesn't) for your purposes, on your property. As was mentioned, factors like the ability to put the machine on a trailer and safely transport it, to do maintenance yourself, or have a mechanic do it on your property, or whatever other things may influence your selection are important to consider too.
There is a Ford 600 ad in your area, a couple months old, with mower, plow, disk, scraper, middle buster etc, delivered, for 5500. There's a Kioti with loader for 7500, and a Massey 180, which is a LOT of tractor, and would run anything, for 4500. There's a well-priced Mitsubishi 4wd machine, and a Kubota tractor too. Be careful chasing a price point: typically the expense to bring something priced cheaply into good condition (tires, radiator/engine rebuild, or any "hard parts") is more than it would cost to buy one in good shape. You might be better served to rent or contract your jobs for a bit while you accrue more liquidity, so you can buy something ideal.
I would suggest making a list of must haves and like to haves. If you can't make a solid, defensible list, rent or hire some, first.
