I do know in the state of Tn. If you borrow $$ to buy the Truck camper. You can take the MCO in and get a Tag and Title. We bought a new camper in 2006. Being we paid cash for it. Did not get a title in Tn, as we bought it in Denver.
Buddy of mine bought a new Lance same month in Ky. But financed his, he got a title and tag. Along with paying all that sales tax to Tn.
When I sold our 2006 TC in 2012. It went to a guy in VA, I gave him the original MCO and a Bill of sale.
We bought our Eagle Cap in Fl end of 21. Only got a Bill of sale with it. Being Fl was also a state that shows a TC as Cargo.