A ztr from lowes or homedepot is absoutally out of the question..
IMHO a 48" ZTR is really a speciality machine.. meaning if you really need a 48 and you really need a ztr its for you. If not, there pointless
Anything else, 48 and smaller get a walkbehind or stander
52" and bigger get a stander or ztr..
you cant be cutting anything big if your looking at a 48.. Stick with a walkbehind and save as much as you can..when the time comes for a ztr youll know it..Im not calling you out but everybody thinks they need a zeroturn and its somply not the case most of the time
If you have your heart set on a z get at least a 52