THis is my first year and I have very limited financial resources left as I've now got a truck payment, insurance, lowes account, and all my other bills. I only have a 21" now, but would love to have a ztr for my larger home without gates and so forth. I would also like to have one to allow me to get into larger yards that I wouldn't consider with the small 21. How long ( if maintained well ) should I expect a residential ztr to last vs a commercial? I figure if I at least get 2-3 years out of one, that would be more than enough, to allow me the time to afford a better unit. Any of u guys start off with home owner units?