The difference between 40k and 30k is peanuts on a payment.
The differnce on a 30k vs 40k loan for 4 years at 10% is about 200.00 a month. If you cannot afford the extra 200 dollars you really just do not need to buy a new machine. The TL240 I posted was 40k and the high flow alone will open mulching avenues. You will not find a high quality CTL with low hours for 30k.