We went with what SMB found for us (SMB North)...it was pretty competitive and more importantly, EASY...sign and drive sort of speak...we got it under a 20 year loan/ "second home" guise...our SMB has sink, furnace, and fridge which ( i'm pretty sure) qualified it as a second home...We got tot take off interest on taxes too (don't know if you can still do that)....we (eventually) ended up cashing out some equity on our house to "pay-off" the loan...the trade off was a 1.5% savings on overall rate (3% down form 4.? whatever it was), and shaved 5 years off with a 15 year mortgage, thinking saving over 30K on overall interest (though it is all on paper, sort of speak)...so that is how we did it...good luck with whatever you do decide to do, keep us all posted!...
PS. good thing is, these wonderful machines hold their value quite well...
'13 MDX 'BigBlackmobeebs'
'01 Lexus 430 LS 'Luxobeebs
'20 Tacoma TRD OR 'Tacobeebs'