Mexican Border Question

On a side note, if you plan to go further south than San Felipe you need to get your fmm at the border. Not available at San Felipe.

Letter of permission for Mexico--
The only fact that I can be sure of is---Mexico-Baja is always unpredictable and inconsistent!!!! Just a side note, unlike in the USA, if you get into an accident and damage property, this is considered a felony and you could be in the mexican jail until they sort out who was at fault. This was the way it was 20 yrs. ago.

The registration card from Nevada doesn't list the finance company. That said, I always got the permission letter from Chrysler Financial before we left home, but I never volunteered it and was never asked at the border for it for as long as the rig was financed. I also made sure the insurance listed the finance company.

Some finance contracts specifically prohibit the vehicle from entering Mexico without their specific permission. Some finance companies/banks do not ever give that permission.

You do need a letter, there is a good chance they may not give it to you. I know people who have been turned down. They have no way of recovering the vehicle if you default. You may have to pay off the loan or put up a bond in the amount owing for the time its in Mexico. If there nothing on the registration indicating it is financed and the registration is in your name it can be a case of don't ask don't tell.

In your case, going to Baja you won't need a permit for the vehicle anyway, so you can get away with it.

It is because of this I never got a car loan, I used the line of credit against my house. No vehicle lien.

So true. Why not have any possible thing you might need, and only use them if asked for? Sure beats being turned away for a letter than you may or may not legally need. Life is too short to make things difficult, especially when you have heard or read in advance that you "Might" need something.
Pet health permits aren't legally required, just rabies certificates. However, sometimes you get asked for them. It's easier to make them up in advance and have them on hand, just in case someone does ask for them.

Mexican Insurance-
The issue is based on ownership. A vehicle that is financed, leased or rented is not the legal property of the you, the driver of the vehicle. You don't have legal ownership unless you have a pink slip listing you as the sole owner.
Recommend you just call the finance co. of your vehicle, as for a permission letter to take the vechicle to mexico( I had to have my letter notarized). They will want to know the exact dates you are entering and exiting Mexico. Buy your Mexican insurance before you get to the mexican border ( it is a zoo at the border). I used Vagabundos in Rio Vista, Calif.
IMHO, it is not worth the risk and potential for legal hasseles you could subject your self to if you are in Mexico without the letter of Permission.