Quint, I'm going to be blunt. But it's free advice, worth what you are paying for it! :)
Your financial idea is all wrong. UNLESS you are going to use it enough before you retire to make it worth having. Which sounds unlikely to me. Otherwise you are pee-ing away a fortune just to have an 8 year old coach when you retire. Because, you can simply buy the same coach, 8 years old, 8 years from now. Instead of paying 220K plus a lot of interest, insurance, tags, maintenance & repairs over the course of 8 years, you can wait 8 years and pay for or finance a coach worth what, 70K?
I learned a long time ago that most people are cash flow thinkers. The finance industry loves cash flow thinkers. Don't be a cash flow thinker; think about the $200,000 you're going to pee away while waiting to retire and really use the MH. Wouldn't you rather retire and have the 200K??? Start a savings fund and put the money into it instead of a MH. Then buy a used MH.
OK, lecture over.
:)
