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He's some variety of young young, I don't think there's home equity to borrow against.

There are decent chances a $68k truck will have $15k of repairs at some point. I understand the attraction, but it's not what I would do. $90k at 9% for 4 years would be a $2240/month payment. When the truck that does all of your cutting and hauling goes down, so does your income.

What kinda grapple saw can you get for $12k? Two years of financials can sometimes be worked around with history and down payment. How are you moving debris?