Those are large residential lawns IMHO. If you're making enough to afford payments I wouldn't hesitate to finance especially at 0%. Why let them make more money of your money while you can make money off it for 3 years. The new husqvarna stuff is top notch. I would look into a Toro z master. With the Husqvarna resale will be less than a more well known brand such as Toro, Exmark, Scag, Wright, Hustler etc. I know that 33 is a MTD product and is about to crap out on you most likely, but you can't compare that to a commercial walk behind.