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Insuring and financing are two totally different things. I think it would be hard to justify it based on the depreciation. Sure, insure it however you can, but the bank is going to find it hard to believe you are buying a $40K Samurai from a place called Wide Open Design. No banker in his right mind is going to lend on that without added collateral. Then once you get your "Sami" and ride it for a few years (if you are lucky) you are going to want to sell it and will have more in it than what its worth so you will have to come out of pocket with the money or keep paying for something you don't own. At least with boats, campers, and even Jeeps there is a huge market for used ones. How many people have ever sold a rig for what they have in it, plus enough to cover interest? My suggestion is buy something you can afford and save up for your bouncer or just wait. Financing anything is a hard pill to swallow once you look at the compounded interest and figure out your $20K car ended up costing you $28K. I would be more apt to let the desire to have a bouncer fuel me to work more, spend less and change my life where I can afford it free and clear. just dont have kids, I drop my little rock bouncers off to daycare everyday for the last 7 years
