Forum Discussion
msmith1199
Jul 17, 2013Explorer II
But the most important lesson you need to have learned is don't completely trust the info you get on here because everybody has different tastes. What's good from somebody else may not be good for you.
And depending on your circumstances the MH route may not be costlier, depending on the type of rig you're looking at. If you're a cash buyer the Truck trailer probably is cheaper but for me I wasn't a cash buyer so the motorhome was cheaper, even though the total price was more than a truck and trailer. How you ask? Because you can get long term financing on a motorhome up to 20 years. A motorhome gets you a second home tax write off on the interest. You get the same write off for a trailer, but only on the trailer and not on the truck. If you finance the truck and trailer you can get long term financing on the trailer, but not on the truck. If you get a top of the line dually one ton with a 6 year loan, you're payment on the truck may be more than your payment on a motorhome may have been when you factor in your tax write-off.
And for me I don't count the cost of the toad in my MH calculations, because I need a car anyway, or in my case a small pickup. What I have no need for is a giant one ton dually truck. So if I went that route I'd have the one ton dually and still have to have two cars. Now if you're a farmer or something and you already have a need for a one ton dually so it's also a work truck, then there's no question just adding a 5th wheel is the way to go.
And depending on your circumstances the MH route may not be costlier, depending on the type of rig you're looking at. If you're a cash buyer the Truck trailer probably is cheaper but for me I wasn't a cash buyer so the motorhome was cheaper, even though the total price was more than a truck and trailer. How you ask? Because you can get long term financing on a motorhome up to 20 years. A motorhome gets you a second home tax write off on the interest. You get the same write off for a trailer, but only on the trailer and not on the truck. If you finance the truck and trailer you can get long term financing on the trailer, but not on the truck. If you get a top of the line dually one ton with a 6 year loan, you're payment on the truck may be more than your payment on a motorhome may have been when you factor in your tax write-off.
And for me I don't count the cost of the toad in my MH calculations, because I need a car anyway, or in my case a small pickup. What I have no need for is a giant one ton dually truck. So if I went that route I'd have the one ton dually and still have to have two cars. Now if you're a farmer or something and you already have a need for a one ton dually so it's also a work truck, then there's no question just adding a 5th wheel is the way to go.
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