"Lance 1575, length 20', GVWR 3700, hitch 225
Gulf Stream Vintage, length 20', GVWR 3900, hitch 290
Rock wood Geo-Pro 19FSB, length 20', GVWR 3800, hitch 378
K-Z Escape Mini M181SS, length 20'11", GVWR 3500, hitch 310
Flagstaff Micro-lite 19FSB, length 20'4", GVWR 3942, hitch 442"
Those are all too heavy for the Xterra IMO. Tongue weight on the light one, Lance, needs to be at least 10%. At 10% it will be 370 pounds and then you add water, stuff and a WDH. 130 "left over" isn't enough. You are going to tell your son/daughter they can't bring their bike? No BBQ? No wood to level the trailer? No lawn chairs? etc.