At $3000.00 and you have other mowers to mowing a small amount of lawns you should be fine. If you were looking to put 700 hours a year on the machine I would think you have issues down the road. Up in Philly what do you have maybe 26 weeks of mowing? I'm not thinking the mower will last 5 years but you should get your money's worth out of it. It's costing you maybe $70.00 a month in finance. You should be able to make a profit with that machine for a while. Just watch your maintenance with oil and air filters. As you grow then you can get more commercial.