I'm 18 years old and have no credit history. last year i had at one point 42 residential accounts i was mowing for, but this year i will only be starting with approximately 30. Last year, i used a piece of **** Craftsman Lt1000 lawn tractor to cut with. I hated it! it scalped yards, cut uneven, brakes sucked, looked unprofessional and even more. This year, i really need to get a decent zero turn walk behind. i was interested in getting a brand new snapper pro (made by ferris) 48'' dual hydro walk behind this year for $4499 but credit got declined. Everyone may say well why don't you save up cash and buy one with 42 accounts you should be able to pay for one cash. Untrue. My bills are sky high. Does anyone know how i can get my hands on a mower or people who do in home financing for someone like me??